SaaS Accounting integrating Online Banking Management

It's not perfect, but I use Quickbooks Online for accounting, Bill.com for our bill payments, and Wells Fargo for banking. QBO and Bill.com are integrated for both the chart of accounts and the vendor names. I input invoices received into Bill.com and a backup copy is stored there, sent by email (not for text recognition, just as documentation). Bill.com syncs with QBO for the AP/expense entry, pulls the payment from the bank when I tell it to pay invoices, and then syncs with QBO for the bill payment entry. Bill.com can also do customer invoicing and payment receipt tracking, but I haven't used that; I do invoicing directly out of QBO.

As a separate sync, QBO downloads bank transactions daily. They are held as "unaccepted" until I confirm or correct the accounting (a debit card transaction at Costco is charged to supplies, a bank fee is charged to bank fees etc.). It "learns" how to handle the downloaded transactions based on prior entries. Bank transactions are "matched" to a prior transaction if the cash outflow is already recorded in QBO (such as payroll and Bill.com entries), or "assigned" and a transaction created if not (Costco debit card purchase). At month-end, the bank recon usually balances without additional work, though not always (and generally my fault).

QBO says it can download from more than 5,000 banks. Bill.com works with a few accounting packages including Quickbooks, Netsuite, Intacct, Peachtree. Per this thread, QBO is generally well-recommended for startups. https://www.proformative.com/questions/user-friendly-accounting-software-for-startups-reviews