I paid $318.70 in January 2021. Now do I have to pay $15/mo to access my checking account?

Hi there, @harvey48.

Thanks for posting your concern today. If you're subscribed annually, you don't need to pay the monthly fees. 

For more insight, you can visit this article to learn more about connecting your checking or credit card account in QuickBooks Self-Employed. 

Keep in touch if you have more concerns. I'll be here to guide you again.