QuickBooks Bank Error 105: Causes, Fixes, and Prevention Tips

QuickBooks has become a go-to solution for managing finances, bookkeeping, and accounting for small to mid-sized businesses. However, even powerful platforms like QuickBooks are not immune to occasional technical hiccups. One such issue users frequently encounter is QuickBooks Bank Error 105. This error usually appears when QuickBooks is unable to establish a proper connection with your bank’s website. In this article, we’ll explore what causes Error 105, how to fix it, and what you can do to prevent it from recurring.

What Is QuickBooks Bank Error 105?

QuickBooks Bank Error 105 typically arises when there is a connection issue between QuickBooks and your bank’s website. It’s a common error encountered during online banking setup or while updating bank feeds. Most often, this problem is due to:

• Scheduled maintenance on the bank’s website
  
  

• Server issues at the bank’s end
  
  

• Outdated login credentials or browser incompatibilities
  
  

• Connectivity issues between your system and the bank server
  
  

When this error appears, QuickBooks cannot fetch new transactions or refresh account information, which can disrupt your workflow and financial reporting.

What Causes Error 105 in QuickBooks?

Several specific triggers may cause this error:

1. Bank Website Maintenance: If your bank’s website is undergoing scheduled maintenance or experiencing downtime, QuickBooks won’t be able to retrieve data.
   
   

2. Server Outages: Sometimes, banks face temporary server outages or technical difficulties that block third-party services like QuickBooks from accessing account information.
   
   

3. Incorrect Bank Login Credentials: If your bank credentials have changed or are entered incorrectly in QuickBooks, it can trigger Error 105.
   
   

4. Browser or Connection Issues: A slow internet connection or outdated browser settings can also interfere with communication between QuickBooks and the bank.
   
   

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How to Fix QuickBooks Error 105

Here are several steps to resolve the issue:

Step 1: Check Your Bank’s Website

• Log into your bank’s website directly using a web browser.
  
  

• Confirm that your login credentials are working.
  
  

• Check for any alerts or maintenance notifications on the bank’s website.
  
  

• If the bank’s site is down or displaying errors, wait until it’s functional again.
  
  

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Step 2: Update Your Bank Connection in QuickBooks

• In QuickBooks Online, go to Banking from the left menu.
  
  

• Click Update in the upper right corner.
  
  

• This forces a manual refresh of the bank connection.
  
  

QuickBooks typically resolves bank errors within 24–48 hours if the issue is on the bank’s side.

Step 3: Verify Login Credentials in QuickBooks

• Navigate to the Banking tab.
  
  

• Click on the account experiencing the error.
  
  

• Select Edit Sign-in Info and re-enter your banking credentials.
  
  

• If prompted, complete any multi-factor authentication steps.
  
  

Step 4: Clear Your Browser Cache

• An overloaded browser cache can affect performance and connectivity.
  
  

• Clear cookies and cache, then restart your browser.
  
  

• Try accessing QuickBooks again and updating the bank feed.
  
  

Step 5: Wait and Retry

• If the issue is due to bank-side maintenance or temporary downtime, wait for a few hours and try updating again.
  
  

• QuickBooks usually resolves minor connection issues automatically in the next update cycle.
  
  

When to Contact Support

If none of the above steps resolve the issue after 48 hours, it may be time to contact QuickBooks Support or your bank’s technical support team. They can identify any persistent issues with your account integration.

Tips to Prevent Error 105 in the Future

• Regularly Check Your Bank’s Website: Being aware of planned maintenance or issues can help you avoid disruptions.
  
  

• Update Credentials Promptly: Whenever you change your bank password, update it immediately in QuickBooks.
  
  

• Use Compatible Browsers: Make sure your browser is updated and compatible with QuickBooks Online.
  
  

• Enable Notifications: Opt in for error or bank update alerts within QuickBooks to stay informed.
  
  

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Conclusion

QuickBooks Bank Error 105, while frustrating, is usually a temporary issue tied to your bank’s online services. With the right troubleshooting steps—such as checking the bank website, updating credentials, or waiting for maintenance to conclude—you can often resolve the problem without too much disruption. Staying proactive and informed will help you minimize downtime and keep your finances running smoothly.