Encountering QuickBooks Error 105 can disrupt your workflow and prevent you from accessing critical financial data. This banking connection failure typically appears when users attempt to download transactions or update their bank feeds. The good news? You can resolve this issue quickly with the right approach.
Eliminate QuickBooks Error 105 using 2026's proven techniques. Complete guide covering 7 solutions for banking errors, cache issues connectivity.
This comprehensive guide walks you through proven methods to eliminate QuickBooks Error 105 and restore your banking connections seamlessly.
Understanding QuickBooks Error 105
QuickBooks Error 105 manifests as a connection failure between your accounting software and financial institutions. Users typically see messages indicating that the bank's website is temporarily unavailable or that the connection cannot be established.
This error occurs due to several factors:
- Outdated banking information stored in QuickBooks
- Server communication problems between QuickBooks and your bank
- Corrupted cache files interfering with data transmission
- Incorrect login credentials for online banking
- Firewall settings blocking QuickBooks connections
The error affects both QuickBooks Desktop and Online versions, though the resolution methods vary slightly between platforms.
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Method 1: Verify Your Internet Connection
Before diving into complex solutions, ensure your internet connection functions properly. QuickBooks Error 105 often stems from basic connectivity issues that prevent the software from reaching bank servers.
Steps to check:
- Open your web browser and visit multiple websites
- Run a speed test to confirm adequate bandwidth
- Restart your router and modem
- Disable VPN services temporarily
- Switch to a wired connection if using Wi-Fi
A stable internet connection forms the foundation for successful bank feed updates. If connectivity issues persist, contact your internet service provider before proceeding.
Method 2: Update QuickBooks to the Latest Version
Outdated software versions frequently trigger QuickBooks Error 105. Intuit regularly releases patches that improve banking connectivity and fix known bugs.
For QuickBooks Desktop:
- Navigate to the Help menu
- Select "Update QuickBooks Desktop"
- Click "Update Now" and mark all updates
- Select "Get Updates" to download
- Restart QuickBooks after installation completes
For QuickBooks Online:
The platform updates automatically, but clearing your browser cache ensures you're accessing the latest version. Use fresh browser sessions to avoid cached data conflicts.
Method 3: Clear Browser Cache and Cookies
Corrupted cache files commonly cause QuickBooks Error 105 in QuickBooks Online. These temporary files can interfere with the authentication process between your browser and banking institutions.
Clearing cache in Chrome:
- Click the three-dot menu icon
- Select "More tools" then "Clear browsing data"
- Choose "All time" as the time range
- Check "Cookies" and "Cached images"
- Click "Clear data" to complete
After clearing cache, restart your browser completely before accessing QuickBooks again. This ensures a clean session without residual data.
Method 4: Disconnect and Reconnect Your Bank Account
Refreshing the connection between QuickBooks and your financial institution often resolves QuickBooks Error 105. This process establishes new authentication credentials and clears any corrupted connection data.
Reconnection process:
- Log into your QuickBooks account
- Navigate to Banking or Transactions
- Locate the problematic account
- Click the pencil icon or Edit
- Select "Disconnect this account"
- Wait five minutes for server synchronization
- Add the account again using current credentials
This method forces QuickBooks to establish a fresh connection with updated security protocols and authentication tokens.
Method 5: Verify Bank Login Credentials
Incorrect login information frequently triggers QuickBooks Error 105. Banks regularly require password updates or implement new security measures that affect third-party application access.
Credential verification steps:
- Visit your bank's website directly
- Log in using your current credentials
- Complete any pending security updates
- Enable third-party application access in settings
- Check for any notifications about account access
- Update your password if prompted
Some financial institutions require explicit permission for QuickBooks to access your accounts. Navigate to your bank's security settings and authorize QuickBooks as a trusted application.
Method 6: Configure Firewall and Security Settings
Overly restrictive firewall settings can block QuickBooks from communicating with bank servers, resulting in QuickBooks Error 105. Security software sometimes classifies banking connections as suspicious activity.
Firewall configuration:
- Open Windows Security or your antivirus program
- Navigate to Firewall settings
- Add QuickBooks to allowed applications
- Create inbound and outbound rules for QuickBooks
- Restart your computer after changes
Ensure Windows Defender or third-party security software doesn't quarantine QuickBooks processes. Temporarily disable these programs to test if they're causing the error.
Method 7: Contact Your Bank's Technical Team
When technical methods fail to resolve QuickBooks Error 105, the issue may originate from your bank's end. Financial institutions occasionally experience server maintenance or implement system updates that temporarily disrupt third-party connections.
What to ask your bank:
- Are there current system maintenance activities?
- Has my account been flagged for security reasons?
- Do you have specific requirements for QuickBooks access?
- Are there recent policy changes affecting third-party apps?
Banks can provide specific error codes or system status information that helps pinpoint the exact cause of QuickBooks Error 105.
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Preventive Measures to Avoid Future Errors
Taking proactive steps minimizes the likelihood of encountering QuickBooks Error 105 again. Regular maintenance keeps your system running smoothly and prevents connection disruptions.
Best practices:
- Update QuickBooks monthly when new versions release
- Clear browser cache weekly if using QuickBooks Online
- Maintain current banking credentials in secure password managers
- Monitor bank notifications about system changes
- Keep your operating system and browser updated
- Schedule regular backups of QuickBooks data
- Document any error patterns you observe
These preventive measures create a stable environment for consistent banking connections.
Conclusion
QuickBooks Error 105 disrupts your accounting workflow, but the solutions outlined above provide reliable paths to resolution. Most users successfully fix this error by updating software, clearing cache, or reconnecting bank accounts. The key lies in systematic troubleshooting, starting with simple solutions before moving to complex interventions.
Remember that banking connectivity issues often resolve themselves within hours as servers synchronize and maintenance windows close. However, taking proactive steps ensures you minimize downtime and maintain accurate financial records.
By implementing these proven methods and following preventive measures, you'll maintain seamless banking connections and avoid future occurrences of this frustrating error.
Frequently Asked Questions
Q1: What causes QuickBooks Error 105?
QuickBooks Error 105 typically occurs due to outdated banking credentials, internet connectivity issues, corrupted cache files, or temporary server problems at your financial institution. Firewall settings and outdated software versions also contribute to this error.
Q2: How long does it take to fix QuickBooks Error 105?
Most users resolve QuickBooks Error 105 within 5-15 minutes using basic troubleshooting methods like clearing cache or reconnecting bank accounts. Complex cases involving firewall configuration may require 30-45 minutes.
Q3: Does QuickBooks Error 105 affect all bank accounts?
No, QuickBooks Error 105 usually affects specific bank connections rather than all accounts. If multiple accounts show errors simultaneously, the issue likely stems from QuickBooks settings or internet connectivity rather than individual bank problems.
Q4: Can I prevent QuickBooks Error 105 from happening again?
Yes, you can minimize QuickBooks Error 105 occurrences by keeping QuickBooks updated, regularly clearing browser cache, maintaining current login credentials, and ensuring stable internet connectivity. Regular system maintenance significantly reduces error frequency.
Q5: Will disconnecting my bank account delete transaction history?
No, disconnecting and reconnecting your bank account to fix QuickBooks Error 105 does not delete existing transactions. Your historical data remains intact in QuickBooks. Only the active connection gets reset during this process.
Q6: Is QuickBooks Error 105 the same in Desktop and Online versions?
While QuickBooks Error 105 indicates banking connection failures in both versions, the resolution methods differ slightly. Desktop versions require software updates through the Help menu, while Online versions focus on browser-based solutions like cache clearing.
Q7: Should I contact my bank immediately when seeing this error?
Try basic troubleshooting methods first before contacting your bank about QuickBooks Error 105. If simple solutions like cache clearing and reconnecting fail after multiple attempts, then reach out to your bank's technical team for assistance.
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