QuickBooks Banking Error 105 means QuickBooks can't connect to your bank's website to download transactions — usually because of maintenance on the bank's end. In most cases it clears up on its own within 24 hours, but you can speed things along by syncing your bank feeds, checking your bank's website for alerts, and re-linking the account if needed.
You open QuickBooks, ready to review the week's transactions, and instead of your fresh bank feed you get a message: Error 105. No new transactions. No updates. Just a code staring back at you.
Before you start worrying that something's broken in your company file — take a breath. Error 105 is one of the friendlier banking errors you'll meet. Nine times out of ten, the problem isn't even on your side. It's your bank doing maintenance, or a temporary hiccup in the connection between QuickBooks and your bank's servers. Here's what's actually going on, and the handful of fixes that get your feeds flowing again.
What is QuickBooks Banking Error 105?
Banking Error 105 shows up when QuickBooks tries to connect to your bank or credit card website and can't get through. It lives in the Bank Feeds Center in QuickBooks Desktop, and it blocks new transactions from downloading until the connection is restored.
The key thing to understand: this error is almost always about the *connection*, not your data. Your existing transactions, your company file, your reconciliations — all safe. QuickBooks just can't reach out and grab the new stuff right now.
Why does QuickBooks Banking Error 105 happen?
The usual suspects:
- Your bank's website is down for scheduled maintenance or dealing with an outage.
- The bank changed something on their end — a website update, new security requirements, a renamed login page — and QuickBooks hasn't caught up.
- Your bank login credentials changed (new password, new username) and QuickBooks is still using the old ones.
- There's a temporary connection failure between Intuit's servers and your bank.
- Your internet connection dropped or your firewall is blocking the bank feed connection.
- You haven't updated QuickBooks in a while, and the old version can't talk to the bank's updated systems.
How do you know it’s Error 105?
- The error code 105 appears in the Bank Feeds Center when you try to sync.
- No new transactions download, even though you know there should be some.
- Sometimes you'll see a message saying QuickBooks is unable to establish a connection with your bank.
Solutions that actually fix Banking Error 105 in QuickBooks
Start at the top. Most people never make it past Solution 2.
Solution 1: Give it a little time (seriously)
This sounds like a non-answer, but it's the real fix more often than not.
- Error 105 frequently means your bank is doing maintenance on their website.
- These issues typically resolve on their own within 24 hours.
- Try syncing again after a few hours. If it works, you're done — no troubleshooting needed.
Not satisfying, we know. But there's no point rebuilding connections for a problem that lives on your bank's servers.
Solution 2: Check your bank’s website directly
Before touching anything in QuickBooks, find out what's happening on the bank's side.
- Open your browser and log in to your bank's website directly (not through QuickBooks).
- If you can't log in there either, the problem is 100% on the bank's end — call them or check their status page.
- Look for any messages, alerts, or notifications about maintenance, outages, or required actions on your account.
- Check your account pages and transaction history. If those load fine, the bank's site is up and the issue is with the QuickBooks connection specifically.
- If you recently changed your bank password, that's very likely your culprit — QuickBooks is still trying the old one.
Solution 3: Sync your bank feeds manually
Sometimes the connection just needs a nudge.
- In QuickBooks Desktop, go to Banking, then Bank Feeds, then Bank Feeds Center.
- Select the account showing Error 105.
- Click Sync All (or the sync/download button for that account).
- Let it run. If it connects this time, watch for any prompts — QuickBooks may ask you to re-enter your bank login credentials or complete a multi-factor authentication step.
- Enter your current credentials carefully (and make sure your browser isn't auto-filling old ones anywhere in the process).
Solution 4: Deactivate and reactivate bank feeds for the account
If syncing didn't help, a clean re-link often does.
- Go to Banking > Bank Feeds > Bank Feeds Center.
- Select the problem account and choose to deactivate bank feeds for it. (This stops the feed — it doesn't delete any transactions already in QuickBooks.)
- Close the Bank Feeds Center, then reopen it.
- Set up bank feeds for the account again from scratch: Banking > Bank Feeds > Set Up Bank Feed for an Account.
- Follow the prompts, enter your current bank login, and complete any verification steps.
- Try syncing once more.
Solution 5: Update QuickBooks and check your connection
The boring-but-effective final checks:
- Make sure your internet is actually working — open a couple of websites to confirm.
- Temporarily disable any VPN, which can interfere with bank connections.
- Update QuickBooks Desktop: go to Help > Update QuickBooks Desktop, click Update Now, select Get Updates and restart QuickBooks when it's done. Older versions sometimes can't communicate with banks that have updated their own systems.
- Check that your firewall or antivirus isn't blocking QuickBooks from reaching the internet.
Conclusion!
That brings us to the end of the troubleshooting methods for QuickBooks banking error 105. We hope the solutions explained above helped you understand the possible cause of the error and get your bank feeds syncing again. If the error still appears or you run into any difficulty while following the steps, consider consulting a qualified and experienced QuickBooks professional for further assistance.
FAQs
What exactly is QuickBooks Banking Error 105?
It's a bank feed connection error. QuickBooks can't reach your bank's website to download transactions — usually because of maintenance or a temporary issue on the bank's side.
Will I lose any transactions because of Error 105?
No. The error only stops *new* downloads. Everything already in QuickBooks stays put, and once the connection is restored, the missed transactions download normally.
How long should I wait before troubleshooting?
Give it 24 hours first — that's how long bank-side issues typically take to clear. If it's still failing after that, work through the solutions above.
Is Error 105 the same as Error 102?
They're close cousins. Both mean QuickBooks can't connect to your bank, and both usually trace back to the bank's website. The fixes are essentially the same.
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