How to fix QuickBooks Online Bank Error 106

QuickBooks Online Bank Error 106 typically occurs when QuickBooks is unable to connect to your bank account to download transactions. This error is often caused by authentication issues, outdated login credentials, or issues with your bank’s server.

Here’s how you can fix QuickBooks Online Bank Error 106 in a few easy steps:

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1. Verify Your Bank Login Credentials

The most common cause of Error 106 is incorrect or outdated login credentials for your bank.

Steps to verify credentials:

1. Go to the Banking menu in QuickBooks Online.
2. Select the affected bank account.
3. Click on Edit or Reconnect.
4. Ensure that you enter the correct bank username and password.
5. Save the changes and try reconnecting to see if the error is resolved.

2. Clear Your Browser’s Cache and Cookies

Cached data and cookies can sometimes cause QuickBooks Online to fail when attempting to download transactions.

Steps to clear cache (for Google Chrome):

1. Open Google Chrome and click on the three dots in the top-right corner.
2. Go to More Tools > Clear Browsing Data.
3. Select Cookies and other site data and Cached images and files.
4. Click Clear data.
5. Restart your browser, log in to QuickBooks Online, and check if the error persists.

3. Check Your Bank’s Server Status

Sometimes, Error 106 occurs because your bank is experiencing server issues or undergoing maintenance.

Steps:

1. Visit your bank’s website or contact their customer support to confirm if they are experiencing any downtime or server issues.
2. Wait for the server to be restored and then attempt reconnecting QuickBooks Online to your bank.

4. Disconnect and Reconnect Your Bank Account

Reconnecting your bank account often resolves syncing issues and clears connection problems.

Steps to reconnect your bank account:

1. Go to the Banking menu in QuickBooks Online.
2. Select the affected bank account.
3. Click Edit and select Disconnect.
4. After disconnecting, click Add Account and follow the prompts to reconnect your bank account.
5. Enter your login credentials and verify the connection.

5. Disable Any Browser Extensions

Certain browser extensions (such as ad blockers) may interfere with QuickBooks Online’s ability to connect to your bank.

Steps:

1. Disable any active browser extensions (like ad blockers or privacy tools).
2. Restart the browser and log back into QuickBooks Online.
3. Try reconnecting to your bank to see if the error is resolved.

6. Ensure QuickBooks Online is Up-to-Date

Running an outdated version of QuickBooks Online can sometimes cause connection issues with your bank.

Steps:

1. Make sure you are using the latest version of QuickBooks Online.
2. Check for any available updates and apply them.

7. Verify Two-Factor Authentication (2FA) Settings

If your bank uses Two-Factor Authentication (2FA), make sure that QuickBooks is properly set up to handle it.

Steps:

1. Check your bank’s 2FA settings and verify that QuickBooks is authorized to access your account with the additional layer of security.
2. You may need to generate and enter a one-time passcode (OTP) for QuickBooks to sync successfully.

8. Contact Your Bank’s Customer Support

If none of the above solutions work, the issue might be with your bank’s system or settings.

Steps:

1. Contact your bank’s customer service.
2. Ask if there are any issues with the bank’s online services or changes to their integration with QuickBooks.
3. Request assistance if any settings need to be updated on the bank’s end.

9. Reach Out to QuickBooks Support

If you’ve tried all troubleshooting steps and the error persists, you may need to contact QuickBooks support for further assistance.

Steps to contact QuickBooks Support:

1. In QuickBooks Online, go to the Help menu.
2. Select Contact Us.
3. Choose your preferred support method (phone, chat, or email).

Conclusion:

QuickBooks Online Error 106 typically occurs due to login issues, server downtime, or communication problems between QuickBooks and your bank. By following the steps like verifying login credentials, clearing browser cache, checking for bank server issues, reconnecting your bank account, and disabling browser extensions, you should be able to resolve the error and continue managing your finances seamlessly.