Seeing the same banking error every time you open QuickBooks Online can be frustrating, especially when you depend on automatic transaction downloads to maintain accurate financial records. QuickBooks Error Code 105 usually means QuickBooks cannot connect to your financial institution to retrieve updated banking information.
The error may continue appearing even after you select Update because the underlying problem could be related to bank maintenance, server availability, or an interrupted connection. Instead of repeatedly refreshing the account or disconnecting it, check a few important things first. This guide explains what to inspect, how to troubleshoot QuickBooks Online Error 105, and how to keep your books updated while the connection is unavailable. For additional troubleshooting guidance, contact Booksmerge at +1-866-513-4656.
Why Does QuickBooks Error 105 Keep Appearing?
QuickBooks Online Bank Error 105 generally occurs when QuickBooks cannot communicate with your bank's website. The financial institution may be experiencing maintenance or server problems that temporarily interrupt the connection.
Here are some common reasons the error keeps returning:
Bank server maintenance: Your bank may temporarily interrupt online services while updating its systems.
Connection service interruption: The bank's website may work, but its service for connecting with QuickBooks may still be unavailable.
Browser-related problems: Cached information or browser extensions may interfere with your QuickBooks session.
Bank security notifications: Your financial institution may require you to review an alert or complete an additional verification step.
Unstable internet connection: Network interruptions can prevent QuickBooks from completing a banking update.
Repeated update attempts: Refreshing the connection repeatedly will not resolve an outage that originates with the bank.
One important distinction: Error 105 is generally a bank-connection issue. Other codes, such as Error 103, are more closely associated with incorrect sign-in information. Identifying the exact code helps you avoid applying the wrong solution.
7 Things to Check When QuickBooks Error Code 105 Keeps Appearing
Work through these checks before attempting to remove or reconnect your bank account.
1. Check Whether Your Bank Is Experiencing an Outage
The first thing to inspect is your financial institution's online banking service.
Open your bank's official website in a separate browser tab.
Sign in using your normal credentials.
Open your account overview.
Review recent transactions and account history.
Look for maintenance announcements, service alerts, or notifications.
If you cannot access your banking information, contact the financial institution. If the bank is performing maintenance, wait until its services are restored before updating QuickBooks.
Even when the bank's main website works, its connection service for third-party applications may still be experiencing problems.
2. Check the Last Successful Bank Feed Update
If the error appears repeatedly, determine when QuickBooks last downloaded transactions successfully.
Sign in to QuickBooks Online.
Select All apps.
Open Accounting > Bank transactions.
Locate the affected bank account.
Review the account's latest available banking activity.
Compare the transactions with your bank's online account history.
This helps you understand whether the connection stopped recently or has been unavailable for several days.
For example, if the last successful update was three days ago, review the bank statements for transactions that occurred after that date. This information will also help you identify missing entries once the connection returns.
3. Refresh the Bank Connection Once
A manual update can help restore a temporary connection interruption.
Open All apps > Accounting > Bank transactions.
Locate the account showing Error 105.
Select Update.
Wait for the refresh to complete.
Check whether the error disappears.
If the error remains, wait two to three hours before attempting another update. Intuit explains that bank errors 102 and 105 may take 24 hours or more to resolve, depending on the financial institution.
Avoid clicking Update continuously. It will not force the bank's server to become available.
4. Review Bank Notifications and Account Alerts
Sometimes, the bank requires customers to acknowledge a notification before online banking connections can operate normally.
Check for:
New terms and conditions that require acceptance.
Security verification requests.
Suspicious activity notifications.
Account access restrictions.
Requests to confirm personal or account information.
Sign in directly to the bank's website and complete any required steps. Then return to QuickBooks Online and refresh the affected bank account.
5. Test QuickBooks in a Private Browser
A browser's stored cookies, cache, or extensions can sometimes affect an online session. Testing in a private window helps determine whether the regular browser is contributing to the problem.
Use these shortcuts:
Chrome: Ctrl + Shift + N
Microsoft Edge: Ctrl + Shift + N
Firefox: Ctrl + Shift + P
Open QuickBooks Online, sign in, and navigate to Accounting > Bank transactions. Select Update to test the connection.
If the error disappears in the private window, clear your regular browser's cache and cookies. You can also temporarily disable extensions to identify a possible conflict.
6. Check Whether Your Bank Sign-In Information Has Changed
Although Error 105 is not primarily an incorrect-password error, recent changes to your bank login details are worth reviewing.
If you changed your banking username or password:
Open Accounting > Bank transactions.
Locate the affected account.
Select the account's edit icon.
Choose Edit sign-in info, if available.
Enter the updated information.
Select Save and connect.
The exact options can vary depending on the financial institution. If the error continues, do not assume that changing the password will resolve it. Check the bank's connection status as well.
7. Contact the Bank or QuickBooks Support
If none of the previous checks resolves the problem, determine which service needs further investigation.
Contact your bank if:
Its online banking service is unavailable.
You cannot view account history or balances.
It reports a maintenance or server issue.
Its connection service for third-party applications is experiencing problems.
Contact QuickBooks support if:
The bank confirms that its connection service is working.
Other accounts update normally, but one specific connection continues failing.
The error remains after browser troubleshooting and manual updates.
When contacting support, provide the exact error code, the financial institution's name, the affected account, and the date of the last successful update. Never share your password or one-time verification code.
How to Keep Your Accounting Records Updated While Error 105 Persists
A temporary bank-feed interruption does not mean you must stop recording financial activity.
You can download transactions directly from your bank and import them into QuickBooks Online using a supported file format.
Follow these steps:
Sign in to your bank's official website.
Download the required transaction history in a supported format, such as CSV.
Open QuickBooks Online and navigate to Accounting > Bank transactions.
Select the appropriate account.
Choose the Upload from file option.
Select the downloaded transaction file.
Map the columns to the appropriate QuickBooks fields.
Review the transactions before completing the import.
Once the automatic connection starts working again, compare newly downloaded entries with the transactions you imported manually. Match existing entries and exclude duplicates where appropriate.
You should also review your QuickBooks bank reconciliation process to ensure that the recorded transactions agree with your bank statement.
When Should You Stop Troubleshooting and Wait?
Not every instance of Error 105 requires a change to your QuickBooks settings.
Situation | Recommended action |
|---|---|
Bank website is unavailable | Contact the bank and wait for service restoration |
Bank confirms scheduled maintenance | Retry after maintenance ends |
Bank website works, but QuickBooks does not | Try private browsing and manually update |
Bank sign-in details recently changed | Review saved sign-in information |
Error continues after 24 hours | Contact the bank and QuickBooks support |
Transactions are needed immediately | Download and import a supported transaction file |
If you have already completed the basic checks and the bank confirms an ongoing outage, allow time for the connection service to recover. Repeatedly disconnecting and reconnecting the account is not a reliable shortcut.
Frequently Asked Questions
1. Why does QuickBooks Error Code 105 keep appearing?
The error usually returns because QuickBooks still cannot communicate with your bank. Common reasons include server maintenance, connection-service interruptions, or temporary browser problems.
2. How to fix error code 105 in QuickBooks Online?
Check your bank's website, review notifications, and manually update the account under Accounting > Bank transactions. If the problem continues, test QuickBooks in a private browser and contact your bank.
3. Is QuickBooks Online Error 105 caused by an incorrect password?
Not usually. Error 105 generally points to a bank connection problem. Incorrect sign-in details are more commonly associated with other banking errors, such as Error 103.
4. How long should I wait before trying another bank update?
Intuit recommends waiting two to three hours before trying another update if the first attempt fails. Bank errors 102 and 105 may take 24 hours or more to resolve.
5. Can I download transactions while QuickBooks Online Bank Error 105 is active?
Yes. You can download a supported transaction file from your bank and upload it manually into QuickBooks Online. Review the imported entries carefully when automatic downloads resume to avoid duplicates.
6. Should I disconnect my bank account if Error 105 keeps returning?
No, not as your first troubleshooting step. Check the bank's service status, refresh the connection, and review your sign-in information first. If reconnecting becomes necessary, review pending transactions and existing records before making changes.
Conclusion
When QuickBooks Error 105 keeps appearing, the most important step is to determine whether the problem originates with your bank or your QuickBooks session. Check the bank's website, review security notifications, inspect the last successful update, and refresh the connection after allowing enough time between attempts.
If the error continues, contact the financial institution or QuickBooks support rather than repeatedly disconnecting the account. For additional guidance with QuickBooks Online Error 105, bank-feed interruptions, or missing transaction downloads, contact Booksmerge at +1-866-513-4656.
