Sara,
I'd love to have a conversation with you about what your accountants have told you. You can do fund accounting with QuickBooks. As you know QuickBooks is easy to use and very inexpensive to own. I do know that there are some "audit trail" issues that make accounting firms uncomfortable.
We have been using QuickBooks for years at NewPointe and I'm convinced that this accounting software can be used effectively by 99% of the church out there.
Todd Colucy
Director of Business Operations
NewPointe Community Church
tcolucy@newpointe.org