QuickBooks Banking Error 102 vs 105 — What’s the Difference?

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QuickBooks Online Banking · Error 102 vs Error 105 · Disambiguation

QuickBooks Banking Error 102 vs 105 — What's the Difference?

Both errors appear when QB can't connect to your bank — but they mean very different things and need different fixes. Getting the distinction wrong wastes time.

At QuickFix Bookkeeping, we see users treating 102 and 105 as interchangeable because both say "trouble connecting to your bank." They aren't: Error 102 is a server-side issue at the bank — your credentials are fine but the bank's feed server isn't responding. Error 105 is a configuration issue — QB's stored information about how to reach your bank's website or feed URL has become outdated. Error 102 usually self-resolves. Error 105 requires a reconnection or update.

Error 102 vs 105 — Side by Side

Error 102

What it means: Bank's server is temporarily unavailable or experiencing maintenance.

Who's at fault: The bank (or Intuit's aggregation service). Not you or QB's settings.

How long it lasts: Usually 24–48 hours. Most 102 errors resolve without any action.

First action: Wait and retry. Check status.intuit.com first.

If it persists: Disconnect and reconnect the bank feed to refresh the connection.

Error 105

What it means: QB can't find or access your bank's website — the stored URL or bank profile is outdated.

Who's at fault: The bank changed its website/URL, or Intuit's bank profile needs updating.

How long it lasts: Indefinitely until the connection is updated — it won't self-resolve.

First action: Update QB (downloads latest bank profiles), then disconnect and reconnect.

If it persists: Manual .QBO import while Intuit updates the bank's profile.

How to Fix Each Error

ERROR 102Wait → Check Status → Reconnect if Persistent
1

Check status.intuit.com for active bank feed outages. Check your bank's website for maintenance windows. If either shows an issue: wait 24–48 hours and retry — no other action needed. Error 102 is the most "do nothing" of the banking errors.

2

If 102 persists beyond 48 hours: Banking → find account → pencil → Disconnect this account on save → Save → wait 2 minutes → Banking → Add Account → search bank → reconnect with current credentials. This refreshes the connection profile and often clears 102 that the bank's server resolved on its end.

ERROR 105Update QB → Reconnect → Manual Import if Needed
1

Update QB first: Help → Update QuickBooks Desktop → Reset Update → Get Updates → restart. QB downloads the latest financial institution profiles — this often clears 105 for banks that recently changed their URLs or connection settings.

2

Reconnect: Banking → account → pencil → Disconnect → Save. Banking → Add Account → search for bank (try the new name if it merged or rebranded) → reconnect. If 105 persists: the bank's profile hasn't been updated by Intuit yet — use manual .QBO import from the bank's website until the profile is updated.

Related QuickBooks Banking Errors

Banking Error Persisting After Reconnecting?

Let QuickFix Bookkeeping Restore Your Bank Feed.

We set up the manual import workflow to keep your books current regardless of the bank feed error, while tracking when Intuit updates the bank's profile so the automatic feed can be restored.

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