But Quicken requires online access and that you store your data on their systems. Is that not the case?
No, you don’t have to use the Quicken backup. You have to pay extra to use it. I use Quicken Home & Business. I liked the older version better, but needed to update other uses. I use Quickbooks at work, and like it better.
There are 2 versions - one where things are stored in the cloud, one where it’s all on your PC. With my personal financial info, I don’t trust the cloud so I have the installed version.