QuickBooks is one of the most trusted accounting solutions for small and medium-sized businesses, but like any software, it may face technical glitches. One such common issue is QuickBooks Error 105. This error usually occurs when your bank’s website has technical issues, undergoing maintenance, or experiencing server downtime that prevents QuickBooks from connecting to your financial institution.

In this blog, we’ll explain the causes, symptoms, and step-by-step solutions to fix QuickBooks Error 105.

What is QuickBooks Error 105?

QuickBooks Error 105 occurs when QuickBooks Online (QBO) or QuickBooks Desktop fails to establish a secure connection with your bank’s server. As a result, banking transactions cannot be downloaded or updated, causing inconvenience while reconciling accounts.

Causes of QuickBooks Banking Error 105

This error can be triggered by several factors, including:

  • Bank’s website is under server maintenance or temporarily down.

  • Incorrect login credentials used for online banking.

  • Poor or unstable internet connectivity.

  • Bank’s website has new security updates that QuickBooks hasn’t synced with.

  • Issues with third-party firewalls or antivirus blocking QuickBooks.

Symptoms of QuickBooks Error 105

You may be experiencing Error 105 if you notice:

  • Failure to download recent transactions from the bank.

  • An error message like “We can’t connect to your bank. Please try again later (105)”.

  • Delayed banking updates in QuickBooks Online.

  • The bank’s login page not loading properly when accessed via QuickBooks.

How to Fix QuickBooks Banking Error 105

Here are some effective troubleshooting steps to resolve the issue:

1. Verify Bank Website Status

  • Open your bank’s website directly through a browser.

  • Log in using your credentials to confirm if the website is working properly.

  • If the website is down, wait until the bank resolves the issue.

2. Update Banking Information in QuickBooks

  • Go to Banking/Transactions in QuickBooks Online.

  • Click Update to refresh account details.

  • If multiple updates fail, wait for 24 hours before retrying.

3. Confirm Login Credentials

  • Ensure you are using the correct username and password.

  • Try logging into your bank’s website outside QuickBooks to verify.

4. Check Internet Connection

  • Switch to a stable and high-speed connection.

  • Restart your modem/router if needed.

5. Disable Third-Party Security Programs

  • Temporarily disable antivirus/firewall that may be blocking QuickBooks from connecting to banking servers.

6. Manually Update Transactions

  • If automatic updates fail, try downloading the .QBO (WebConnect) file from your bank and import it into QuickBooks manually.

Pro Tip

If the error persists even after trying the above solutions, it might be an issue with bank-side server updates. Contact your bank’s customer service for confirmation.

Need Expert Help?

QuickBooks banking errors can sometimes get tricky to handle on your own. If you continue facing Error 105, it’s best to reach out to a QuickBooks ProAdvisor or technical support expert for assistance.

By following these steps, you can quickly resolve QuickBooks Banking Error 105 and resume smooth financial tracking without interruptions.