SCAM. Worst decision ever
If you are a new business, you are better off going with services that will actually help you than be bound by Collective's limited pre-programmed pathways. You hv no control over who your Bookkeeper and Account Mgr are. Even if you get someone competent, they are bound by what Collective can do in their portal/system. Collective is still figuring things out and very inflexible in the meantime, so you end up being charged for things unnecessarily. Managing and categorizing your bank transactions is very cumbersome and makes you do extra work. There are so many other solutions that work better, but if you have paid Collective to be your one-stop shop, then you're tied to their extreme uselessness. What a waste of time and money!! To make things worse, I submitted a request to cancel my annual subscription 39 days before the end of term (They require 30 days notice), and yet they still continued to charge me for a new year! My experience of the portal is that it is inefficient and non-intelligent, and their service is very incompetent and tries its best to get you to pay for what you don't need. Not an ethical business.