Is QB on-line automatically backed-up everyday or do I have to do my own back-up? Thanks Karen

You're not required to manually backup because QuickBooks Online automatically handles it for you, kpemobile. I'll elaborate further below.

QuickBooks automatically backs up your data every night. That's why we have dedicated significant thought and resources to ensure a completely reliable system. To learn how we keep your data safe and secured, check out this reference: Do I need to back up my data with QuickBooks Online?

If you're using the Advanced version, you can enable Online Backup to monitor any changes made to your company data. For more details, refer to this article: Back up and restore your QuickBooks Online Advanced Company.

You can visit this guide to save a copy of your reports to Microsoft Excel:  Export reports, lists, and other data from QuickBooks Online. 

The protection of your data is our top priority. Reach out by clicking the Reply button anytime you have additional questions about creating a reserve copy. I'm always ready to help.