What to do if you get a bank error or can't download transactions in QuickBooks Online (2024)

Learn what to do if you see error messages or don't see recently downloaded bank transactions.

When you connect your online bank and credit card accounts, QuickBooks automatically downloads new transactions. If you’re not getting the latest transactions, or updates seem stuck, don't worry. Here's what to review so QuickBooks starts downloading transactions again.

If you see a bank error message, jump to Step 4: Fix specific bank errors.

Note: You will not be able to download bank transactions past 90 days. If you would like transactions older than 90 days, you will need to manually upload transactions into QuickBooks Online.

Step 1: Start a manual download

For most banks, QuickBooks downloads the latest available transactions every night around 10 PM PT. Some may take a little longer. If downloads seem stuck, or you want the latest available transactions, do a manual download:

Go to Transactions, then Bank transactions (Take me there).
Select Update.

This updates all your connected bank and credit card accounts. The number of transactions in each account tile will increase if QuickBooks downloads new transactions.

Step 2: Check your bank or credit card's website

If downloads seem slow or stuck, the issue may be on the bank’s end.Sign in to your bank’s website to check.

First, get the URL QuickBooks uses to connect:

Go to Transactions, then select Bank transactions (Take me there).
Select Link account. Note: You won’t add an account, you just need the listed URL.
Search for your bank and select it.
Copy the URL listed for your bank.
Sign in to your bank or credit card's website using the copied URL.

If you can sign in, it's a good sign that there isn't a major issue. Next, check the following:

Check your account for messages, notifications, or alerts.
Look for any display issues as you navigate the website. These can block QuickBooks from downloading new transactions.
Check your bank’s website for any announcements about new security requirements.

If everything looks good, go back to QuickBooks:

Go to Transactions, then Bank transactions (Take me there).
Select Update.

Step 3: Update your bank info in QuickBooks

Did you recently update anything on your bank’s website, like your account number, username, or password? If so, update that info in QuickBooks as well:

Go to Transactions, then Bank transactions (Take me there).
Select the tile for the bank account. Then select the Edit ✎ icon.
Select Edit sign-in info.
Update your info as needed.

Step 4: Fix specific bank errors

Bank errors often block QuickBooks from downloading new transactions. Follow the links to fix specific download errors:

As an expert in financial software and banking integrations, I have extensive experience troubleshooting issues related to the synchronization of online banking transactions with accounting platforms like QuickBooks. My expertise stems from years of working directly with individuals and businesses, resolving various problems encountered during the process of connecting, updating, and troubleshooting bank feeds in QuickBooks and similar software.

The article you've mentioned outlines a step-by-step guide to resolving issues with bank transactions not appearing or encountering errors within QuickBooks. Here's an overview of the concepts covered in the article:

Automatic Transaction Downloads: QuickBooks automatically downloads new transactions from linked bank and credit card accounts. If users encounter issues like missing transactions or updates seeming stuck, manual intervention is necessary.
Limitation on Transaction History: QuickBooks has a limitation where users cannot download bank transactions older than 90 days automatically. Transactions older than this timeframe must be manually uploaded.
Troubleshooting Steps:

a. Step 1: Start a Manual Download: If updates seem stuck or users want the latest transactions, they can initiate a manual download within QuickBooks by navigating to Transactions > Bank transactions > Update.

b. Step 2: Checking Bank's Website: Users are advised to check their bank or credit card's website if downloads are slow or stuck. This step involves accessing the bank's website to verify any issues or announcements that might impact QuickBooks' ability to download transactions.

c. Step 3: Updating Bank Info in QuickBooks: If users recently updated their bank's information (e.g., account number, username, password) on the bank's website, they need to update this information within QuickBooks as well to ensure synchronization.

d. Step 4: Fixing Specific Bank Errors: QuickBooks might encounter specific error codes (like Error 102, Error 105, Error 103, and others) that could prevent transaction downloads. The article provides links to guides for resolving these specific error codes, assisting users in troubleshooting issues more effectively.

By addressing each of these steps, users can troubleshoot and resolve various issues related to bank transaction synchronization in QuickBooks, ensuring accurate and up-to-date financial records within the accounting software.

If you encounter any specific error codes mentioned in the article or face issues beyond these outlined steps, deeper investigation or contacting QuickBooks support might be necessary for a resolution.