QuickBooks Online Bank Connection Not Working? How to Reconnect It

If your QuickBooks Online bank connection not working problem prevents your account from connecting, updating, or downloading transactions, the cause may be on the bank’s side, within the QuickBooks connection, or related to your login credentials. You may see an error when trying to connect a new account, an existing connection may stop updating, or QuickBooks may connect successfully but fail to retrieve recent transactions.

The symptoms can vary. Some users see errors such as 102, 103, 108, 350, 355, 390, 580, 590, or 1000, while others simply receive a message that QuickBooks cannot connect to the financial institution. Intuit’s current troubleshooting documentation treats these errors differently because they can represent expired connections, incorrect bank credentials, bank-side messages, unexpected bank-side problems, or a bank connection that needs to be disconnected and reconnected.

This article explains how to troubleshoot QuickBooks Online bank not connecting, including connection failures, incorrect credentials, bank maintenance, account changes, browser problems, unsupported institutions, expired connections, and safe reconnection. The goal is to identify the actual cause before disconnecting an account or creating a new one.

Why Is QuickBooks Online Bank Connection Not Working?

A bank connection problem does not necessarily mean your QuickBooks company file is damaged. QuickBooks Online communicates with the financial institution through an online banking connection, and that connection can stop working for several different reasons.

What You See	Possible Area to Check
Bank cannot be connected at all	Bank listing, credentials, bank availability, or connection setup
Error 102 or 105	Temporary bank connection or bank-side issue
Error 103	Bank username or password
Error 108	Message or required action on the bank’s website
Error 350	Expired or changed secure connection
Error 390 or 1000	Connection needs to be upgraded or reconnected
Error 355, 580, 590, or 591	Unexpected problem on the bank’s side
Bank account disappeared	Account changed, closed, moved, or connection changed
Bank connects but transactions do not download	Update, connection, bank-side, or account issue
Bank appears more than once	Multiple financial-institution listings or portals
Bank is not listed	Institution may not currently participate or may use another listing

For example, Intuit says error 103 generally indicates incorrect bank sign-in credentials, while error 108 means the bank has a message or action waiting on its website that can block the QuickBooks connection.

Errors 355, 580, 590, and 591 are different: Intuit currently describes them as unexpected connection problems on the bank’s end and recommends waiting a few hours before trying again. Before making a major change, identify the exact behavior or error message. That usually gives you a much better starting point than immediately disconnecting the bank.

How to Fix QuickBooks Online Bank Connection Not Working

Start with the least disruptive checks. Do not disconnect an existing bank account unless the troubleshooting path calls for it, because disconnecting without reviewing pending transactions can create duplicate-download or balance issues when the account is reconnected. Intuit specifically recommends reviewing pending transactions and the account balance before disconnecting.

Step 1 — Check Whether the Bank’s Website Is Working

First, open your bank’s official website in a separate browser window and sign in directly. Use the same credentials you normally use for that financial institution. Check whether you can:

• Sign in successfully
• View your account summary
• View recent transactions
• Access the affected account
• See any security prompts
• See maintenance notices
• Accept updated terms
• Complete a verification request
• See messages from the bank

This step is important because QuickBooks cannot establish a normal connection if the bank itself is preventing access or requires an action first. Intuit’s current guidance for bank error 102/105 recommends checking the bank’s website for messages, notifications, or account problems.

What the result means:

• You cannot sign in to the bank: Resolve the bank login problem first.
• The bank requires an action: Complete it before reconnecting QuickBooks.
• The bank website works normally: Continue with QuickBooks-specific troubleshooting.
• The bank website reports maintenance: Wait until the bank-side issue is resolved before repeatedly attempting to connect.

Do not assume that entering the same credentials repeatedly in QuickBooks will solve a problem that exists on the bank’s website.

Step 2 — Confirm the Bank Credentials

If the connection fails during authentication, verify that the username and password are correct. This is particularly important when you see QuickBooks Online bank error 103. Intuit identifies incorrect bank sign-in information as the usual cause of error 103. To verify the credentials:

1. Open a new browser window.
2. Go directly to your bank’s website.
3. Enter your bank username.
4. Enter your bank password.
5. Confirm that you can successfully sign in.
6. If the bank requires additional verification, complete it.
7. Return to QuickBooks Online.
8. Enter the current bank credentials when prompted.

If you recently changed your bank password, do not continue using the old password stored in the QuickBooks connection. Some financial institutions also require approval for third-party access. Intuit specifically notes that certain banks may require customers to enable third-party access before QuickBooks can connect.

Step 3 — Make Sure You Selected the Correct Bank Listing

A surprisingly common source of connection problems is selecting the wrong financial-institution listing. Some banks appear under multiple names or provide different online portals for different account types. Intuit recommends checking the available listings and, when necessary, using the bank’s website URL to identify the appropriate listing. In QuickBooks Online:

All apps → Accounting → Bank transactions → Link account

Then:

1. Search for your financial institution.
2. Review the results carefully.
3. If multiple listings appear, determine which one corresponds to your bank’s login portal.
4. Select the appropriate listing.
5. Follow the bank sign-in prompts.
6. Confirm that you can access the relevant account.

Do not automatically choose the first bank name that looks familiar. For example, a bank may have separate connection listings for different banking services. The correct listing is the one that corresponds to the portal where you normally manage the affected account.

Step 4 — Update the Bank Connection

If the bank is already connected but QuickBooks Online bank not connecting when you try to retrieve transactions, perform a manual update. In QuickBooks Online:

All apps → Accounting → Bank transactions → Update

Intuit’s current bank-feed instructions recommend manually updating the connection when recent transactions are not appearing. Most banks update automatically, but the timing can vary.

After selecting Update, watch for:

• A successful update
• A verification prompt
• A new error message
• A request to sign in again
• No change at all

If the update produces a new error, use that error as the next troubleshooting clue rather than repeatedly selecting Update.

Step 5 — Check for Bank Messages or Error 108

If you see bank error 108, the problem may not be your credentials. Intuit defines error 108 as an indication that the bank or credit-card company has a message on its website that requires attention. The message could involve updated terms, maintenance, or another notice that prevents QuickBooks from completing the connection. Sign in directly to the bank’s website and look for:

• Security notifications
• Terms-of-service updates
• Maintenance announcements
• Account alerts
• Requests for additional verification
• Messages requiring acknowledgment

Complete any required action, then return to QuickBooks Online and select Update again. If you do not see a message but error 108 continues, Intuit recommends contacting the bank because some messages may not be visible through the normal online-banking interface.

Step 6 — Try QuickBooks in a Private or Incognito Browser

If the bank works correctly and your credentials are valid, test QuickBooks Online in a private or incognito browser window. This can help rule out browser extensions, cached authentication information, or stale browser data.

Open a private/incognito window and:

1. Sign in to QuickBooks Online.
2. Open All apps → Accounting → Bank transactions.
3. Locate the affected bank.
4. Try the connection or update again.

Intuit’s current bank troubleshooting guidance recommends using an incognito or private browser when a bank update or connection continues to fail. If the connection works in private browsing but not in your normal browser, the issue may be related to the browser environment rather than the bank account itself.

Step 7 — Determine Whether the Bank Is Temporarily Unavailable

Sometimes the connection problem is genuinely on the financial institution’s side. For bank errors 355, 580, 590, and 591, Intuit currently states that QuickBooks unexpectedly could not connect to the bank and recommends waiting a few hours before trying again because the issue is on the bank’s end.

Similarly, errors 102 and 105 can occur when QuickBooks cannot establish the expected connection with the bank. Intuit recommends updating the bank connection, checking the bank website, and waiting before trying again if the issue is temporary. If the bank is experiencing maintenance or an outage:

• Do not repeatedly disconnect and reconnect the account.
• Check the bank’s website for an official notice.
• Wait for the bank-side problem to clear.
• Try a manual QuickBooks update afterward.

Repeated reconnection attempts can make troubleshooting harder without addressing the actual bank-side problem.

Step 8 — Reconnect an Expired or Changed Bank Connection

If QuickBooks indicates that the connection has expired or needs to be upgraded, reconnect the account. For example, error 350 means the secure connection between QuickBooks and the bank has expired or no longer works. Intuit notes that some banks may require reconnection periodically because of security requirements or changes to the connection.

If QuickBooks shows Fix now, use that option first:

1. Go to All apps → Accounting → Bank transactions.
2. Select the affected bank account.
3. Select Fix now if available.
4. Confirm your current bank username and password.
5. Complete any verification requested by the bank.
6. Select Save and connect.
7. Confirm that the connection completes successfully.

When reconnecting, Intuit currently recommends selecting All Accounts when the bank asks which accounts to share, even if you only intend to use some of them in QuickBooks. This can matter when the bank connection uses an authorization process that covers multiple accounts.

Step 9 — Disconnect and Reconnect Only When Necessary

If the connection cannot be repaired through the available Fix now or update process, you may need to disconnect and reconnect the bank. However, this should not be your first step.

Before disconnecting, review the account carefully. Intuit warns that transactions still waiting in the pending area can be removed when an account is disconnected, and the bank may resend some transactions after reconnection. This can create duplicate transactions. Before disconnecting:

1. Open All apps → Accounting → Bank transactions.
2. Select the affected account.
3. Review transactions in the pending/review area.
4. Add, match, or otherwise process transactions that need attention.
5. Check the account balance.
6. Make note of the opening balance if necessary.
7. Disconnect only after reviewing the account.

For an existing connection, Intuit’s current instructions use the account’s edit options and the Disconnect this account on save option before saving. Afterward:

1. Select Link account.
2. Search for your financial institution.
3. Select the correct bank listing.
4. Sign in using the current bank credentials.
5. Select the appropriate account.
6. Map it to the existing QuickBooks account when appropriate.
7. Complete the connection.
8. Review downloaded transactions carefully.

The objective is to restore the connection without accidentally creating a second QuickBooks account for the same bank account.

Step 10 — Check Whether the Bank Account Has Changed

If you receive an error indicating that QuickBooks cannot find the account, investigate whether the financial institution changed the account information.

For example, error 324 can occur when QuickBooks cannot locate the account at the financial institution. Changes such as a new account number, account migration, changed account information, or a closed account can affect the connection. Ask yourself:

• Did the bank issue a new account number?
• Was the account recently converted?
• Did the bank move the account to another system?
• Did the bank change its online-banking portal?
• Did you receive a replacement card?
• Was the account closed?
• Did the bank merge with another institution?

If the bank account is still active but its connection details changed, update or reconnect the appropriate account. If the bank account was actually closed, do not repeatedly try to reconnect it as though it were still active. The old account may need to be disconnected and a new active account connected instead.

Step 11 — Check Whether the Bank Is Supported

If you cannot find your financial institution while attempting to connect a new bank, the problem may be with the bank listing rather than your credentials.

Intuit recommends searching using the bank’s exact name, trying broader names when necessary, and using the financial institution’s website URL to locate the correct listing. Some institutions also have multiple listings. If the bank still cannot be found:

1. Go to All apps → Accounting → Bank transactions.
2. Select Link account.
3. Search for your financial institution.
4. Try appropriate variations of its name.
5. Search using the bank’s website URL if necessary.
6. If QuickBooks still cannot find it, use the Request option where available.
7. Enter the bank’s website address.

Intuit also notes that some banks do not support every type of account. A bank may support business accounts but not a particular personal account type, for example.

Step 12 — Use Manual Transaction Import as a Temporary Alternative

If the connection remains unavailable, you may still be able to keep your books current by importing transactions manually. Intuit’s QuickBooks Online banking support documentation includes manual transaction upload as an alternative when connected bank downloads are unavailable. This can be useful when:

• The bank is temporarily unavailable.
• The financial institution is not currently supported.
• The connection requires investigation.
• You need to keep transactions moving while waiting for a bank-side issue to be resolved.

However, manual imports should be handled carefully. Do not import transactions that QuickBooks has already downloaded, because that can create duplicates. Review the transaction dates and existing bank-feed activity before importing a file.

QuickBooks Online Bank Connection Not Working After a Bank Update

If the QuickBooks Online bank connection stopped working after a bank update, do not assume that the bank account itself is closed or damaged.

Financial institutions can change their websites, authentication systems, connection requirements, or account structures. Intuit’s current documentation includes several connection errors that occur when a bank changes its connection or when QuickBooks needs to reconnect to the institution. Check the following:

• Can you still sign in directly to the bank?
• Is there a new security prompt?
• Did the bank require updated terms?
• Did your bank change its website?
• Did your account number change?
• Does QuickBooks show a specific error?
• Does Fix now appear?
• Does the connection work in an incognito browser?

If the bank connection has been upgraded or changed, reconnecting through the current bank listing may be necessary.

QuickBooks Online Bank Not Connecting Because of Wrong Credentials

When QuickBooks Online bank not connecting occurs because of credentials, verify the information outside QuickBooks first.

Error 103 is specifically associated with incorrect bank sign-in information. Intuit recommends opening the bank’s website directly and confirming that the credentials work there before entering them again in QuickBooks. If the bank recently changed its login process:

1. Complete the new bank authentication process.
2. Confirm your current credentials.
3. Check whether third-party access is required.
4. Return to QuickBooks Online.
5. Re-enter the current credentials.
6. Complete any additional verification.

If the bank login works but QuickBooks still rejects the connection, the problem may be with the connection authorization rather than the username or password itself.

QuickBooks Online Bank Connected but Not Updating Transactions

A bank connection can be active while recent transactions are not appearing. If this happens:

1. Open All apps → Accounting → Bank transactions.
2. Select Update.
3. Complete any verification prompt.
4. Check the bank’s website for maintenance or notices.
5. Try QuickBooks in an incognito/private browser.
6. Check whether the bank has temporarily delayed transaction availability.

Intuit notes that most banks update transactions with QuickBooks approximately every 24 hours, although timing can vary. Transactions older than 90 days may also require a different import approach rather than appearing through a normal update. If the connection is working but a specific transaction is missing, do not immediately disconnect the account. First determine whether the transaction is simply delayed, pending at the bank, outside the normal download period, or affected by another bank-side issue.

QuickBooks Online Bank Connection Error 390 or 1000

Errors 390 and 1000 have a specific reconnection path. Intuit currently describes error 390 as indicating that the bank is making a change and the existing connection needs to be upgraded. Error 1000 indicates that the bank connection needs to be fixed by disconnecting and reconnecting. Before disconnecting:

• Review downloaded transactions.
• Review pending transactions.
• Check the account balance.
• Confirm that you are working with the correct bank account.

Then disconnect and reconnect the affected account using the current bank connection. This order is important because reconnecting before reviewing existing transactions can create duplicate downloads.

QuickBooks Online Bank Connection Error 350

Error 350 indicates that the secure connection between QuickBooks and the bank has expired or changed. Intuit says some banks require reconnection periodically, depending on their security requirements. If you see this error:

1. Open All apps → Accounting → Bank transactions.
2. Select the affected bank.
3. Select Fix now.
4. Enter your current bank credentials.
5. Complete any verification.
6. Select Save and connect.
7. Confirm that the connection completes.

If multiple QuickBooks companies use the same bank login, the situation can be more complicated. Intuit currently warns that some banks allow only one active connection for a particular login, which can cause one company’s reconnection to disconnect another. In that situation, designate one person to manage the bank connection rather than repeatedly reconnecting the same bank login from multiple QuickBooks companies.

QuickBooks Online Bank Connection Errors 355, 580, 590, or 591

If you see 355, 580, 590, or 591, Intuit currently describes these as unexpected problems occurring on the bank’s side. The recommended approach is to wait a few hours and then attempt the connection again. Do not immediately disconnect the account simply because the connection failed. Instead:

• Check the bank’s website.
• Look for maintenance information.
• Wait several hours.
• Return to QuickBooks.
• Try the connection again.
• Use an incognito browser if the problem continues.

If the bank-side problem persists, contacting the financial institution may be necessary.

How to Prevent QuickBooks Online Bank Connection Problems

You cannot prevent every bank connection interruption because financial institutions can change their websites, authentication systems, and connection requirements. However, a few practices can reduce avoidable problems.

1. Keep your bank credentials current: If your bank password or authentication method changes, update the QuickBooks connection rather than continuing to use old credentials.
2. Review bank notifications: Messages about maintenance, security, or updated terms can prevent QuickBooks from connecting. Error 108 is a documented example.
3. Use the correct bank listing: If your financial institution appears multiple times, confirm which listing corresponds to the bank’s actual login portal.
4. Review transactions before disconnecting: Check pending transactions and balances before disconnecting an existing bank connection to reduce the risk of duplicate transactions or unexpected balance changes.
5. Keep one person responsible for shared bank connections: When the same bank credentials are used across multiple QuickBooks companies, Intuit recommends having one person manage connection setup and maintenance to avoid repeated connection conflicts.
6. Use regular reconciliation: Bank-feed downloads and accounting records are not the same as a completed reconciliation. Continue comparing your QuickBooks records with bank statements as part of normal bookkeeping.

Conclusion

When your QuickBooks Online bank connection not working problem appears, start by checking the bank’s website and confirming that the account and credentials work outside QuickBooks. Then verify the correct financial-institution listing, manually update the bank connection, and test QuickBooks in a private browser.

If a specific error appears, use it to narrow the troubleshooting path. Error 103 points toward bank credentials, error 108 indicates a bank message or required action, error 350 involves an expired or changed secure connection, and errors 355, 580, 590, and 591 can indicate an unexpected problem on the bank’s side.

Only disconnect and reconnect an existing account after reviewing its pending transactions and balance. If the bank cannot currently connect, manual transaction import may provide a temporary way to keep your books updated while the connection problem is investigated.

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