How to Fix QuickBooks Online Banking Error 109?

QuickBooks Online Banking Error 109 happens when the connection between your bank and QuickBooks fails due to issues with your bank’s website. This error often appears when the bank updates its site or changes its security settings. As a result, QuickBooks cannot download recent transactions. You may also see this error if your bank account is locked or requires additional verification. In most cases, you must log in to your bank’s website directly to check for alerts, messages, or action steps.

To fix Error 109, start by signing in to your online banking account. Review any messages or requests from the bank. Complete any steps needed, such as updating credentials or confirming identity. Once done, go back to QuickBooks and update your account. If the error continues, try disconnecting and reconnecting the bank account in QuickBooks. Make sure your login details are correct. This step lets QuickBooks connect to your bank again.  Below are the 10 methods that will help you fix QuickBooks Online Banking Error 109

Method 1: Import Bank Transactions 

Use this method to manually upload bank transactions into QuickBooks when automatic updates fail. Follow the steps below to complete the import process.

1. Download your bank transactions from the bank’s website.
2. In QuickBooks, go to Banking from the left menu.
3. Click Banking at the top, then the drop-down in the Update section.
4. Select File Upload and click Browse to choose your file.
5. Click Open, then Next.
6. Select the account or click Add New if needed, then click Next.
7. Match CSV columns to QuickBooks fields and click Next.
8. Click Let’s Go, then Finish.
9. Review and confirm the transactions.

Method 2: Restore the Backup

Fix errors by restoring a saved backup of your company file. Follow the steps below to check the hosting settings and restore the file.

1. Check if your computer is hosting the file.
2. Open the company file.
3. Go to the File menu and select Utilities.
4. Click Stop Hosting Multi-User Access.
5. In the prompt, click Yes.
6. When asked to close the company file, click Yes.
7. Make sure the file path is under 210 characters.
8. Go to the file location and copy the path from the address bar.
9. Paste it into Notepad and count the characters, including spaces.
10. Try restoring the company file again.

Method 3: Update Bank Credentials in QuickBooks

Fix connection issues by updating your bank login details in QuickBooks. Follow the steps below to reconnect your account.

1. Open QuickBooks Online and go to the Banking menu.
2. Select the bank account, click Edit.
3. Enter new login details.
4. Complete any security steps, like entering a code or answering a question.
5. Click Update to refresh the connection and download transactions.

Method 4: Check the Bank Server Status

Use this method to see if connection issues are caused by your bank’s server. Follow the steps below to check for outages or maintenance.

1. Visit your bank’s website and log in.
2. Look for any maintenance or downtime alerts.
3. Wait until the servers are back online before updating QuickBooks.

Method 5: Manually Update Transactions

Upload transactions yourself when automatic updates aren’t working. Follow the steps below to import and match your data.

1. Download your bank transactions as a .CSV or .QBO file.
2. In QuickBooks, go to Banking > Upload Transactions.
3. Follow the steps to import the file.
4. Review and match the transactions to your records.

Method 6: Disconnect and Reconnect Bank Account

Fix syncing issues by resetting the bank connection in QuickBooks. Follow the steps below to disconnect and reconnect your account.

1. In Banking, select the account and click Edit Account.
2. Uncheck Connect this account to online banking and click Save.
3. Go back to Banking and click Add Account.
4. Search for your bank and reconnect it.
5. Click Update to refresh transactions.

 Method 7: Enable TLS 1.2

Ensure secure connection settings are active for QuickBooks. Follow the steps below to update your browser settings.

1. Open the Advanced tab in your browser settings.
2. Check the box for TLS 1.2.
3. Uncheck Do not save encrypted pages.
4. Click Apply, then OK to save changes.

Method 8: Check Internet Connection

Check your internet connection is stable and properly configured for QuickBooks. Follow the steps below to test, set up, and reset the connection.

1. Open your browser and visit any website.
2. Confirm the internet is stable.
3. Update Internet Explorer.
4. Set Internet Explorer as the default browser.

After checking the internet connection, configure it using the steps below:

1. Go to the Help menu and select Internet Connection Setup.
2. Choose Use my computer’s Internet connection settings.
3. Click Next, then click Done.
4. Reset QuickBooks updates.

Method 9: Verify Your Financial Institution

Verify that your bank is correctly connected in QuickBooks. Follow the steps below to check and verify the link.

1. Select the Banking tab.
2. Click Add Account.
3. Check that the correct bank name is linked to the account.
4. Select your bank.
5. Click the link to open the bank’s website.

Method 10: Update Date and Transactions

Refresh your bank data in QuickBooks. Follow the steps below to update the dates and download recent transactions.

1. Go to the Banking tab and uncheck unwanted accounts.
2. Click Update and enter your MFA credentials.
3. Select Continue Update.
4. Wait for the update to finish and the confirmation message to appear.
5. Date and transactions are now updated.

What are the Prerequisites to Fix QuickBooks Online Banking Error 109?

1. Active internet connection.
2. Correct bank login credentials.
3. Access to your bank’s website.
4. Latest version of QuickBooks Online.
5. No holds or restrictions on your bank account.
6. Admin access in QuickBooks Online.
7. Pop-up blockers disabled in your browser.
8. Clear browser cache and cookies.

How to Identify Fix QuickBooks Online Banking Error 109?

1. Log in to your bank’s website.
2. Check for alerts or required updates.
3. Complete any required actions, like updating login info.
4. Confirm the account is active.
5. Disconnect the bank account if the error continues.
6. Reconnect the account using the correct login details.
7.  Check if the transactions sync.

How to Prevent QuickBooks Banking Error 109?

1. Log in to your bank’s website.
2. Look for any alerts or messages.
3. Update your login info if asked.
4. Confirm your account is active.
5. Open QuickBooks and click “Update.”
6. Disconnect the account when the error persists.
7. Reconnect it with the correct details.
8. Check if transactions load correctly.

When Should You Seek Professional Help for QuickBooks Online Banking Error 109?

Seek professional help for QuickBooks Online Banking Error 109 if the error continues after basic steps or if you can’t access your bank account online. Call us if QuickBooks shows the error even though your bank login works, or if transactions do not sync. Contact us if you don’t know how to disconnect and reconnect your account, or if Error 109 appears with other codes. You may also need help updating bank details in QuickBooks or following clear steps to avoid mistakes.