No — Direct Access is a completely optional service. In Banktivity 5, your accounts can be updated as always, with no fees from IGG, using direct downloads from your financial institutions or with web downloads via Banktivity’s built-in browser. With iOS devices, your accounts can be updated and edited manually, or you can sync account data from a desktop copy of Banktivity on your Mac. But the “magic” of Direct Access is in letting it keep track of all your account updates, with less effort than ever.