When you’re trying to stay on top of your business finances, the last thing you want is a bank connection error in QuickBooks. One of the more common one’s users run into is Error 105. It typically shows up when QuickBooks Online can’t connect to your bank’s website. This can interrupt bank feeds, delay reconciliations, or cause your transactions to stop syncing none of which is ideal.
The good news? Error 105 is fixable, and it usually doesn’t take too long. This blog walks you through what causes it, how to fix it quickly, and how to prevent it from happening again.
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What Is QuickBooks Error 105?
Error 105 means QuickBooks Online tried to connect to your bank or credit card’s website, but couldn’t complete the request. More often than not, the issue is on the bank’s side like a temporary server fault or website maintenance.
Still, there are a few things you can check on your end, too.
What Causes Banking Error 105?
Here are the most common reasons this error pops up:
- Your bank’s website is down or under maintenance
- QuickBooks can’t connect because of security blocks or outdated login info
- The bank requires extra verification (like 2FA)
- Browser settings or extensions are interfering
- You’re using outdated QuickBooks cache files
It might be one of these, or even a mix of two or three. That’s why it helps to go step-by-step.
Step-by-Step: How to Fix Error 105
Let’s break down the fastest ways to resolve the problem.
1. Check Your Bank’s Website First
Before you tweak anything in QuickBooks, visit your bank’s website directly:
- Log in to your account manually using a browser
- Look for any alerts, maintenance notices, or pop-ups
- Try to perform a few tasks like viewing balances or transactions
If the bank’s website isn’t working properly or is under maintenance, the only thing you can really do is wait a few hours and try again.
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2. Update Bank Connection in QuickBooks
Once you’ve confirmed that the bank’s site is up and running, go back to QuickBooks and refresh the connection:
Steps:
- Sign in to QuickBooks Online
- Go to Banking
- Click the Update button in the upper right corner
This prompts QuickBooks to reconnect and download the latest data.
You may need to wait a few minutes. If the error was temporary, your feeds should start syncing again.
3. Reverify Login Credentials
If your bank recently updated its login process or added extra security QuickBooks might not recognize the new setup.
Here’s what to do:
- Go to the Banking section
- Click on the pencil icon next to the affected account
- Choose Edit sign-in info
- Re-enter your username and password
- Complete any extra verification (like codes sent to your phone)
After updating your credentials, refresh the connection once again.
4. Clear Your Browser Cache
Old cache files or browser extensions can block connections between QuickBooks and external websites (including your bank).
Try this:
- Clear your browser’s cache and cookies
- Restart your browser
- Log in to QuickBooks again and run the bank update
If the problem still persists, try using a different browser (Google Chrome or Firefox tend to work best with QuickBooks).
5. Wait and Retry Later
Honestly, sometimes the only fix is a bit of patience.
Bank servers do go down for maintenance from time to time. If you’ve tried all the steps above and your bank’s site seems fine, wait a few hours and try again. These kinds of outages are usually resolved quickly.
When Should You Call for Help?
If the error has been showing for more than 48 hours, and your bank’s site is clearly working fine, it might be time to speak with someone.
You can reach out to:
- QuickBooks 24/7 support phone number
- QuickBooks payroll customer support number (if payroll is impacted)
- QB online payroll support if your banking issues are tied to direct deposits
- Or use the in-app Chat with Support option
A support specialist can look deeper into your account and determine whether something needs manual fixing.
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Pro Tips to Avoid Error 105 in the Future
Here are a few quick things you can do regularly to reduce the chance of running into this issue again:
- Update bank feeds once a day manually, especially during business hours
- Avoid logging in from multiple devices at once this can trigger security alerts
- Keep your login credentials updated in both QuickBooks and with your bank
- Clear cache and browser data once a week, especially if you use QuickBooks heavily
- Enable alerts from your bank to stay informed about scheduled maintenance
Final Thoughts
Banking Error 105 in QuickBooks is one of those errors that tends to fix itself but that doesn’t mean you should ignore it. Following the steps in this guide can help you solve it faster and keep your books running smoothly. Whether it’s updating credentials, clearing cache, or just waiting out a bank outage, there’s usually a fix that doesn’t require technical support. But when in doubt, QuickBooks help is always just a call away.
Get In Touch with Us
If you are interested to know more about QuickBooks and basic troubleshooting steps, we are here to help you through our dedicated customer service team. Fill out the customer response form or feel free to reach to us at support@qbhelphub.com Our highly competent team is here to solve all your queries regarding QuickBooks.
