I like everything about this program except that it does not come with an integrated banking application to deposit checks as well as credit card transactions! The best part of cash flow though was being able to keep track of my accounts payable/receivable in one place without having multiple applications open at once (like Quickbooks). It also made keeping up with invoices easy since they were located under their respective account category instead of buried somewhere else within another file folder system where you have no idea if something has been paid yet. This will help me manage better by knowing exactly what bills are coming due when so we can be prepared accordingly before those dates roll around again next year. Also helps us stay organized because every transaction gets its own individual box which makes categorizing payments very simple too. We've only used this product for two months but haven't had any problems thus far either!!