QuickBooks is a powerful accounting tool, but sometimes users face banking errors while connecting their bank accounts. One of the most common issues is QuickBooks Error 103. This error usually appears when login credentials entered in QuickBooks do not match the bank’s records. Don’t worry—this problem can be resolved with a few simple steps.
What is QuickBooks Banking Error 103?
QuickBooks Error 103 occurs when QuickBooks Online or Desktop fails to log in to your bank due to incorrect login credentials or a connection issue. Essentially, it means QuickBooks cannot verify your username and password with the bank.
Causes of QuickBooks Error 103
This error may occur due to:
- Wrong bank login credentials entered in QuickBooks.
- The bank’s website login requirements recently changed.
- Saved or autofill passwords causing mismatches.
- Security settings or browser cache interfering with the connection.
- Multiple logins attempted with wrong details.
Symptoms of QuickBooks Error 103
You might be facing this error if:
- You see the error message “103 Error – QuickBooks is unable to verify your login info.”
- Your bank account fails to connect in QuickBooks Online.
- Repeated login attempts are denied.
- The same login works fine on the bank’s website but not in QuickBooks.
How to Fix QuickBooks Banking Error 103?
Follow these steps to resolve the issue:
1. Verify Your Bank Login Credentials
- Open your bank’s website directly in a browser.
- Enter your username and password manually (don’t copy-paste).
- If it works, use the same credentials in QuickBooks.
2. Update Banking Info in QuickBooks
- Go to Banking/Transactions in QuickBooks Online.
- Select your bank account.
- Click Edit (pencil icon) > Edit Sign-in Info.
- Re-enter your correct credentials and save.
3. Clear Browser Cache & Cookies
- If you’re using QuickBooks Online, clear cache or try logging in through a private/incognito window.
- Outdated cache may cause login failures.
4. Enable Multi-Factor Authentication (if required)
- Some banks require OTPs or security questions.
- Ensure you follow additional steps when prompted in QuickBooks.
5. Disconnect & Reconnect Your Bank
- If the error persists, disconnect your bank account in QuickBooks.
- Then reconnect it using correct credentials.
Pro Tips to Avoid Error 103
- Always keep your bank credentials updated in QuickBooks.
- Avoid multiple login attempts with wrong passwords.
- Use the most updated version of QuickBooks or browser.
- Regularly check for any bank login policy updates.
Final Thoughts
QuickBooks Banking Error 103 can be frustrating, but it usually boils down to a credential mismatch. By verifying and updating your login info, clearing cache, and reconnecting your bank, you can easily fix the issue. If the error continues, contacting QuickBooks support or your bank directly may be the best option.
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