QuickBooks Online Banking Connection Errors (102, 103, 105, 106, 108, 185, 324)

Ensure you have the latest banking connectivity updates:

1. Open QuickBooks Desktop
2. Go to Help → Update QuickBooks Desktop
3. Click "Update Now" tab
4. Check "Reset Update" checkbox
5. Click "Get Updates" button
6. Wait for download to complete (2-5 minutes)
7. Close QuickBooks completely
8. Reopen QuickBooks to install updates
9. Follow installation prompts
10. Verify version: Press F2 → Check product version is 2025 R5 or later

Remove the problematic bank connection completely:

1. In QuickBooks, go to Banking menu
2. Select "Bank Feeds" → "Bank Feeds Center"
3. Find your bank account in the list
4. Click on the account name to select it
5. Right-click → Select "Deactivate Account"
6. QuickBooks shows warning about losing unreviewed transactions
7. If you have pending transactions, review/add them first
8. Click "Yes" to confirm deactivation
9. Account disappears from Bank Feeds Center
10. Close Bank Feeds Center

Remove old QuickBooks authorization from your bank:

1. Open a web browser
2. Navigate to your bank's website
3. Log in with your credentials
4. Complete any MFA verification (text code, app, etc.)
5. Navigate to Security Settings or Profile Settings
6. Look for sections labeled:
7. "Connected Apps" or "Third-Party Access"
8. "Authorized Applications" or "App Connections"
9. "Data Sharing" or "Account Linking"
10. Find "QuickBooks" or "Intuit" in the list
11. Click Remove, Revoke, or Disconnect
12. Confirm removal
13. Log out of bank website

Some banks require explicitly enabling access for accounting software:

1. While logged into your bank's website
2. Go to Security Settings or Preferences
3. Look for "Third-Party Access" or "Data Sharing" settings
4. Check if there's a toggle for "Allow third-party financial apps"
5. Enable the setting if it exists
6. Some banks have specific "QuickBooks" or "Intuit" toggles
7. Enable QuickBooks-specific access if available
8. Save changes
9. Some banks require 24-hour waiting period before connection works

Set up fresh bank connection with current credentials:

1. In QuickBooks, go to Banking menu
2. Select "Bank Feeds" → "Set Up Bank Feed for an Account"
3. In search box, type your bank's name
4. Select your bank from results
5. Click "Connect" or "Next"
6. Enter your online banking username (NOT account number)
7. Enter your online banking password
8. Click "Connect" or "Sign In"
9. Complete MFA verification:
10. Enter text message code if prompted
11. Approve from mobile app if prompted
12. Answer security questions if prompted
13. QuickBooks retrieves your accounts
14. Select which accounts to connect (checking, savings, credit card)
15. Click "Connect" or "Done"
16. QuickBooks downloads last 90 days of transactions

Ensure QuickBooks can communicate with bank servers:

1. Open Windows Defender Firewall or your antivirus program
2. Navigate to Allowed Apps or Exceptions
3. Verify these QuickBooks programs are allowed:
4. QBW32.exe or QBW64.exe (main program)
5. QBWebConnector.exe
6. QBCFMonitorService.exe
7. Add QuickBooks URLs to whitelist:
8. *.quickbooks.intuit.com
9. *.intuit.com
10. *.financialservices.intuit.com
11. Configure corporate firewall (if applicable):
12. Allow outbound HTTPS on port 443
13. Whitelist Intuit IP ranges (contact IT department)
14. Save firewall changes
15. Restart QuickBooks

https://financialservices.intuit.com
https://webapps.intuit.com
https://quickbooks.intuit.com
https://static.intuit.com
https://oauth.platform.intuit.com

Verify connection works properly:

1. Go to Banking → Bank Feeds → Bank Feeds Center
2. Your bank account should appear in the list
3. Click "Download Transactions" button
4. QuickBooks connects to bank
5. Should see "Download successful" message
6. Transactions appear in Bank Feeds Center
7. Review transactions for accuracy
8. Add/Match transactions as needed
9. If error appears, note exact error number
10. Try downloading again in 1 hour (bank rate limits may apply)

If Express Web Connect continues to fail, switch connection methods:

1. Direct Connect (if bank supports):
2. Banking → Set Up Bank Feed → Search for bank
3. Look for "Direct Connect" badge next to bank name
4. More reliable but may have monthly fee ($10-30)
5. Real-time connection with immediate downloads
6. Web Connect (manual method):
7. Log into your bank's website
8. Go to transaction history or downloads
9. Export as QuickBooks format (.QBO file)
10. Download the .QBO file to your computer
11. In QuickBooks: File → Utilities → Import → Web Connect Files
12. Select downloaded .QBO file
13. QuickBooks imports transactions
14. Requires manual download each time (no automation)