Hi there, bopster. Let me share some additional information about accessing your QuickBooks Online (QBO) account without paying the monthly subscription.
In QBO, once you decide to cancel your account, you'll need to do so manually to avoid charges.
Here's how:
Log in to your QBO account as an admin user.
Go to the Gear icon, then select Subscriptions and billing.
Locate the plan you want to cancel, and click Cancel.
I've also added a screenshot for your visual reference.
Note that after you cancel your QuickBooks account, your data will be kept in a read-only access for a year so you can still access it whenever needed.