GNUCash. Free and fully GAAP compliant. Been using it for a year and a half now and would highly recommend it. Fully customizable in terms of currency, date formats, reports e.t.c. It's supposed to support online banking too but I've never used that feature myself. Great for SME accounting too. Oh, and it supports scheduled transactions as well so you can configure recurrent transactions like receiving your salary and paying rent to enter themselves. Excuse the "midro crass" examples.