Marilyn,

    Money Talks will still work if you don't do your banking online
and you don't have to download any files.  You can reconcile using
paper statements, using the bank's telephone service (call their
number, punch in your PIN and get your balance and the numbers of
checks that have cleared etc.), download a file from your online
account, or a combination of the above.

    There's a copy of the manual at:

C:\Program Files\aph\Money Talks\mt_doc.htm

    There's a Beta version of Money Talks and I believe the latest 
changes aren't reflected in the document on that page.

Margaret


"Marilyn Walker" wrote:

Bill, are you saying that this program would not work unless one were
using
on line banking directly from the bank?  Marilyn



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