QuickBooks Banking Error 103: Account Login Blocked – How to Fix
- quickbookserrors
- 6 minutes ago
- 4 min read
QuickBooks Banking Error 103 is a common issue that occurs when QuickBooks is unable to connect to your bank due to incorrect login credentials or security restrictions. This error usually appears while updating bank feeds or connecting a bank account and can disrupt your daily accounting workflow.
In this detailed guide, you’ll learn what Error 103 is, why it occurs, and step-by-step methods to fix it quickly.
What Is QuickBooks Banking Error 103?
QuickBooks Banking Error 103 indicates that your bank has blocked QuickBooks from accessing your account. This typically happens when the login credentials entered in QuickBooks do not match the credentials used on the bank’s official website.
In simple terms:QuickBooks tried to sign in to your bank, but the bank rejected the request.
Common Error Messages You May See
“Banking Error 103: Account login blocked”
“QuickBooks cannot connect to your bank”
“Invalid credentials entered for your bank”
“Your bank is blocking QuickBooks access”
Main Causes of QuickBooks Error 103
Understanding the cause helps resolve the issue faster. Error 103 usually occurs due to one or more of the following reasons:
1. Incorrect Bank Login Credentials
Wrong username or password
Changed password not updated in QuickBooks
2. Bank Security Requirements
Multi-factor authentication enabled
Security questions not answered
CAPTCHA verification required
3. Locked Bank Account
Too many failed login attempts
Bank temporarily restricted access
4. Outdated Browser or Cache Issues
Bank website not loading correctly
Cached credentials causing conflicts
Quick Checks Before Fixing Error 103
Before moving to advanced troubleshooting, confirm the following:
You can sign in to your bank’s website manually
No alerts or notifications are pending on the bank site
Your bank account is not locked or suspended
Internet connection is stable
Step-by-Step Solutions to Fix QuickBooks Banking Error 103
Solution 1: Verify Your Bank Login Credentials
This is the most important step.
Steps:
Open your web browser
Go to your bank’s official website
Sign in using your username and password
If login fails, reset your password
Note the correct credentials
Once verified, update the credentials in QuickBooks.
Solution 2: Update Bank Credentials in QuickBooks
For QuickBooks Online:
Go to Settings
Select Banking
Click Edit (Pencil icon) next to the affected bank
Choose Edit sign-in info
Enter the updated login details
Save changes and refresh the connection
Solution 3: Check for Bank Alerts or Security Prompts
Banks often block third-party access until alerts are cleared.
Steps:
Log in to your bank website
Look for:
Security notifications
Verification requests
Terms acceptance prompts
Complete all required actions
Log out and retry QuickBooks bank feed
Solution 4: Clear Browser Cache and Cookies
Corrupt browser data can interfere with bank authentication.
Steps:
Open your browser settings
Clear cache, cookies, and saved passwords
Close the browser completely
Restart your system
Log in again to your bank and QuickBooks
Solution 5: Use a Different Browser
Some bank websites work better with specific browsers.
Recommended browsers:
Google Chrome
Mozilla Firefox
Microsoft Edge
Avoid using outdated or unsupported browsers.
Solution 6: Enable Third-Party Access on Bank Website
Some banks require manual permission for apps like QuickBooks.
Steps:
Log in to your bank account
Go to Security Settings
Look for Connected Apps or Third-Party Access
Allow QuickBooks access
Save changes and refresh bank feeds
Solution 7: Wait and Retry After 24 Hours
If the bank blocked access due to multiple failed attempts:
Wait 24 hours
Avoid repeated login attempts
Retry after the lockout period ends
Advanced Troubleshooting (If Error Persists)
Disconnect and Reconnect the Bank Account
Steps:
Go to Banking
Select the affected account
Choose Disconnect
Wait a few minutes
Reconnect the bank account from scratch
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Update QuickBooks to the Latest Version
Outdated software may cause connectivity issues.
For Desktop Users:
Go to Help
Select Update QuickBooks Desktop
Install all updates
Restart QuickBooks
When Should You Contact Support?
If none of the above solutions work, professional assistance may be required.
You should contact support if:
Bank credentials are correct but access is still blocked
The bank confirms QuickBooks access is allowed
Error 103 continues for more than 48 hours
How to Prevent QuickBooks Banking Error 103 in the Future
Follow these best practices to avoid this error again:
Always update passwords in QuickBooks immediately after changing them
Avoid multiple failed login attempts
Regularly check bank alerts
Keep your browser and QuickBooks updated
Enable secure app access with your bank
Frequently Asked Questions (FAQs)
What does QuickBooks Banking Error 103 mean?
It means QuickBooks is unable to access your bank account due to incorrect credentials or bank security restrictions.
Can Error 103 fix itself?
Sometimes yes, especially if it was caused by a temporary bank lockout.
Will I lose transactions while fixing Error 103?
No, transactions are not deleted unless you remove the bank account.
Does Error 103 affect QuickBooks Desktop and Online?
Yes, it can occur in both versions when using bank feeds.
Final Thoughts
QuickBooks Banking Error 103 is frustrating but usually easy to fix once you verify credentials and clear bank security restrictions. Most users resolve it by simply updating login details or clearing bank alerts.
By following this step-by-step guide, you can restore bank connectivity quickly and keep your accounting process running smoothly.
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