Introduction
QuickBooks Banking Error 109 occurs when your bank requires you to perform an action on its online banking portal, such as accepting updated terms and conditions, resetting your password, or completing additional authentication steps. This error commonly arises during the process of updating or downloading bank transactions in QuickBooks Online.
This guide explains the causes of Banking Error 109 in QuickBooks and provides step-by-step instructions to resolve it.
Causes of QuickBooks Banking Error 109
- Bank-Requested Action: The bank requires you to accept updated terms and conditions or verify your account.
- Password Reset Requirement: Your bank may have prompted you to reset your password due to security policies.
- Multi-Factor Authentication (MFA): The bank is requesting additional authentication, such as a security code or answers to security questions.
- Bank Server Downtime: The bank’s servers may be temporarily unavailable or under maintenance.
Symptoms of QuickBooks Banking Error 109
- You see an error message stating: “Error 109: Sign in to your bank's website and take action.”
- Bank transactions fail to update or download in QuickBooks Online.
- You are repeatedly prompted to enter bank credentials without success.
- Your bank account is disconnected from QuickBooks Online.
Steps to Fix QuickBooks Banking Error 109
Step 1: Log In to Your Online Banking Account
QuickBooks Error 109 often requires you to log in to your bank's online portal and complete any pending actions.
- Visit Your Bank’s Website:
- Open a web browser and go to your bank’s official website.
- Log In to Your Account:
- Enter your username and password to access your online banking account.
- Check for Notifications:
- Look for notifications, such as prompts to reset your password, accept updated terms and conditions, or verify your account.
- Complete the Required Actions:
- Follow the prompts to complete any necessary steps.
- Log Out of Your Bank Account:
- After completing the actions, log out of your bank's website.
Step 2: Update Bank Credentials in QuickBooks Online
After completing the necessary steps on your bank’s website, ensure your bank credentials in QuickBooks are updated.
- Open QuickBooks Online:
- Log in to your QuickBooks Online account.
- Go to the Banking Tab:
- Navigate to
Banking
in the left-hand menu.
- Navigate to
- Select the Bank Account:
- Find the account with the error and click the
Edit
orUpdate
option.
- Find the account with the error and click the
- Re-enter Login Credentials:
- Enter your updated username and password for the bank account.
- Verify the Connection:
- Complete any additional security prompts, such as entering a security code or answering security questions.
- Refresh Transactions:
- Click
Update
to refresh the connection and download the latest bank transactions.
- Click
Step 3: Verify Bank Server Status
If your bank's servers are temporarily down, QuickBooks may fail to connect to your account.
- Check Your Bank’s Website:
- Log in to your bank’s online portal to see if you can access your account without issues.
- Look for Maintenance Alerts:
- Banks often post maintenance or downtime alerts on their homepage or notifications section.
- Wait for Server Resolution:
- If the server is down, wait until the issue is resolved before retrying the connection in QuickBooks.
Step 4: Manually Update Bank Transactions
If the error persists, manually updating transactions can bypass the issue.
- Download Transactions from Your Bank:
- Log in to your bank's website and download your transactions in a supported file format (e.g., .CSV or .QBO).
- Import Transactions into QuickBooks:
- Open QuickBooks Online, go to the Banking menu, and select
Upload Transactions
. - Follow the on-screen prompts to import the downloaded file.
- Open QuickBooks Online, go to the Banking menu, and select
- Categorize Transactions:
- Review and categorize the imported transactions to ensure they are correctly matched to your records.
Step 5: Disconnect and Reconnect the Bank Account
Disconnecting and reconnecting the bank account can refresh the connection and resolve the error.
- Disconnect the Bank Account:
- Go to
Banking > Edit Account
in QuickBooks Online. - Uncheck the box for
Connect this account to online banking
and save the changes.
- Go to
- Reconnect the Bank Account:
- Navigate to the Banking menu and click
Add Account
. - Search for your bank and follow the prompts to reconnect the account.
- Navigate to the Banking menu and click
- Update Transactions:
- After reconnecting, click
Update
to sync the latest bank transactions.
- After reconnecting, click
Step 6: Clear Browser Cache and Cookies
Sometimes, outdated cache and cookies in your browser can interfere with QuickBooks' ability to connect to your bank.
- Open Browser Settings:
- Go to the settings or preferences menu of your web browser.
- Clear Browsing Data:
- Select the option to clear cache and cookies.
- Restart the Browser:
- Close and reopen your browser.
- Log In to QuickBooks Online:
- Retry updating bank transactions in QuickBooks.
Step 7: Use an Incognito or Private Window
Using an incognito or private browsing window can bypass cache-related issues.
- Open an Incognito Window:
- Press
Ctrl + Shift + N
(Windows) orCommand + Shift + N
(Mac) in Chrome, or use the private browsing feature in other browsers.
- Press
- Log In to QuickBooks Online:
- Access your QuickBooks account in the incognito window.
- Retry Updating Bank Transactions:
- Attempt to update transactions again.
Additional Tips
- Keep Bank Credentials Updated: Regularly update your bank credentials in QuickBooks and ensure they match the details on your bank’s website.
- Monitor Notifications from Your Bank: Frequently log in to your bank account to check for any alerts or required actions.
- Enable Automatic Updates in QuickBooks: Automating updates can minimize the need for manual interventions.
- Contact Bank Support: If the issue persists, contact your bank’s customer service to resolve any account-related issues.
Conclusion
QuickBooks Banking Error 109 is often caused by required actions on your bank's website, such as accepting terms or resetting your password. By logging into your bank account, updating credentials in QuickBooks, and ensuring a stable connection, you can resolve this error quickly.
If the problem persists after following these steps, consider contacting QuickBooks Online Support or your bank’s technical support team for additional assistance.