If you have online banking, you'll need to display your transactions and download the resulting QIF file to your hard drive. My bank offers several file formats to choose from, QIF being one of them. I download the file to my hard drive and import it into Money Talks. I could never get Quicken to import data from my bank directly into the program. I had to use the same procedure to get information into that highly complex and vary inaccessible program as I do with Money Talks. Believe me, Money Talks makes me much more confident about my ability to keep track of my finances. What good are all of Quicken's bells and whistles if they don't make noise? Grin.