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How do I fix it when my bank won't connect to QuickBooks Online, or transactions won't download or upload correctly?

Forum|Forum|4 years ago
August 30, 2021
73 replies
157 views

We've never been able to connect our US Bank business account to QBO. I was on the phone with QBO help for hours a few different times as well as US Bank to no resolve. US Bank does not support QBO so anything that needs to happen must happen on QBO side. But the QBO help team said the issue is on US Bank's side, so we're stuck.

Has anyone else come across this? I see older threads discussing US Bank not syncing but not that it won't work at all.

We'll need to move back to QB Desktop if this cannot be fixed.
Thank you in advance!

Karen from Accounting :)

QuickBooks Online

Best answer by Emma_P

If your bank won't connect to QuickBooks Online, start with a manual update and a check of your bank's own website. If that doesn't clear it up, the cause is usually one of a few specific things: a duplicate bank listing, a file that doesn't meet upload requirements, or sign-in details that changed on your bank's side. Here's how to work through each one.

Try a manual update first

Sign in to QuickBooks Online.
Go to All apps, then Accounting, then Bank transactions.
Select Update.

Most banks refresh every 24 hours on their own, so a manual update is the fastest way to get the latest transactions right now. If it doesn't pull anything in, sign in through a private or incognito browser window and try the update again, since this rules out browser extensions or a cached sign-in. Keep in mind transactions older than 90 days can't come through the connection at all. If you need those, you'll want to upload them manually instead.

Check your bank's website directly

Sign in to your bank's website outside of QuickBooks. If you can view your account summary and history without errors, your bank's side is working, and the issue is likely in how the account is set up in QuickBooks. If you can't sign in at your bank either, reach out to them first, since QuickBooks can't move data your bank isn't sharing.

If your bank's sign-in information has changed:

Go to All apps, then Accounting, then Bank transactions.
Select the account card for the account you need to update.
Select Edit, then select Edit sign in info.
Enter your updated bank information, then select Save and connect.

Make sure you're using the right listing for your bank

Some banks show up more than once in the connection search, often because they offer separate portals for different kinds of accounts. Connecting through the wrong one is one reason an account won't sync, even when your credentials are correct.

Go to All apps, then Accounting, then Bank transactions.
Select Link account.
Search for your bank by name. If more than one result appears, try each one that could match.
Before finishing setup, select the link to your bank's sign-in page and confirm you can actually access your account summary and history there.
Once you've confirmed the right portal, continue adding the account in QuickBooks.

If your bank truly isn't listed anywhere, you can request it directly from that same Link account screen by entering your bank's web address.

If you still can't connect, upload your transactions manually

While you sort out the connection, you can bring in transactions from a file instead.

Go to All apps, then Accounting, then Bank transactions.
If you see a tile for the account, select it.
Click the Link account dropdown, then Upload from file. If the account isn't connected yet, select Upload from file or Or upload transactions manually instead.
Drag in the file you downloaded from your bank, then select Continue.
Choose the QuickBooks account to upload into, then Continue.
Match the columns in your file to the correct fields, then Continue.
Select the transactions to bring in, and Continue.
Select Yes, then Done.

Your file needs to be in English, 350 KB or smaller, and in .csv, .txt, .qbo, or .ofx format, with up to 1,000 transactions per upload. A CSV file needs either three columns (date, description, amount) or four (date, description, credit, and debit). If your upload keeps failing, shrink the date range, split it into a smaller batch, or double check the file against these requirements before trying again.

If QuickBooks flags your upload as the wrong account type

If you see a message saying the uploaded file is a different type than the account you selected, it means the file doesn't match the account you chose during upload, similar to picking checking when the file is actually from a savings account. You can select Cancel to go back and pick the right account, or select OK to continue anyway.

If your credit card transactions ended up posted to the wrong kind of account after an upload, you can fix the account itself:

Go to All apps, then Accounting, then Chart of accounts.
Find the account.
Select the dropdown next to Account history or Run report.
Select Edit.
Change the account type to Credit Card, then select Save and Close.

Still stuck?

Reach out to QuickBooks support with these details, and they’ll take a closer look:

The exact bank and account type you're trying to connect
Whether you can sign in to your bank's own website without issues
Any error message or wording you saw, word for word
Whether this is a brand-new connection or one that broke after previously working

Resources:

Update your bank feeds and bank info

Connect bank and credit card accounts to QuickBooks Online

Find your bank or credit card account when you connect to online banking

Manually upload transactions into QuickBooks Online

Fix bank upload errors in QuickBooks Online

Add to or edit the chart of accounts in QuickBooks Online

J

jamespaul

Level 8

Hello, Karen.

Thanks for taking the time to check the US Bank's issue on both ours and their side. I'll share some details regarding the connectivity problem.

We do have a reported issue regarding US Bank's connection. There several users who reported that they can't connect their accounts into QuickBooks Online. Our engineers are now working to resolve this as soon as possible.

Have you spoken with our support regarding this? If not, you can contact them again so you'll be added to the list of affected users.

Use the same phone number you've used to call us, or you can use these steps:

Click the Help icon.
On the list of options, select Talk to a human (or type it in the chat box).
When asked, enter something like "Cannot connect US Bank business accounts."
Proceed with I still need a human.
Click the Get help from a human link.
Choose how you want to reach us.

You'll be receiving an update from our engineers once the issue is fixed.

In the meantime, you'll want to import your US Bank transactions manually. You can check out the details and the steps from this article: Manually upload transactions into QuickBooks Online.

When you're done importing those transactions, you can start categorizing or matching them for your books.

I appreciate your patience as we're working to get the US Bank's connection back to normal. If you have any other concerns with your transactions or any processes in QuickBooks, leave your reply on this thread. I'll be here to help you out.

T

TheatreOffJacksonAuthor

Thank you for letting me know this is an ongoing issue. I have a QBO ticket open from a few months ago so hopefully it's still valid. I'll try calling to ensure it's still is.

Fiat Lux - ASIA

Level 14

@TheatreOffJackson

Utilize the trial version of SlickConnect to isolate the issue. It is designed to import into any bank or credit card in QuickBooks Online, so there is no specific setting needed. If the same error persists, there is an ongoing problem at your bank.

https://www.moneythumb.com/?ref=110

T

TheatreOffJacksonAuthor

Thank you, I'll look into that.

T

trailways

Im now having the same issue. I was able to connect the accounts again, but nothing loads in the banking tab at all. It just says "all caught up" when its not. And their advice to load them manually does not work either. The csv file i download from US Bank wont work with QB online. I was on the phone with a rep for over an hour trying to get it to upload. She had me send her the csv files and said she would get them formatted correctly so they could be uploaded, but that was two days ago and she has not contacted me.

C

ChristineJoieR

QuickBooks Team

Hi there, @trailways.

I appreciate you sharing the steps you’ve taken to connect your bank with QuickBooks Online. Let me share some information about the error you met.

QuickBooks downloads and categorizes bank and credit card transactions for you when you link an account. It inputs the details for you so you don't have to manually enter transactions. Here's what you need to do to get QuickBooks to download transactions again.

Keep your bank information up to date on their website, such as your account number, username, and password. Then, in QuickBooks, update that information as well.

Here’s how:
1.On the left navigation bar, select Banking
2.Go to Banking tab
3.The bank account tile should be selected. Then click on the Edit icon.

4.Tick Edit sign-in info.
5.Update your info as needed.

Furthermore, you can also check this article for the downloaded transaction in QuickBooks Online.

Thank you for your patience and understanding. Feel free to reach out to me if you need anything else. I’m always here to help.

sfvaughan

Moving to Desktop will not be a solution. The .qfx file from US Bank is faulty and imports as a liability only (won't sync to a credit card account) so all transactions come in as Journal Entries instead of credit card transactions. It's a huge mess. US Bank is the problem here.

K

KFPro

After 2 years of attempting to make QuickBooks work for me, it never worked properly. I spent countless hours on the phone with customer service and my issue was never resolved. My QuickBooks account was never able to connect to my US Bank account, and transactions were never ever imported properly. After dealing with the ongoing issue and being unable to do my taxes, I finally had to cancel my account and look elsewhere for solutions.

QB to my knowledge has done nothing to allow US Bank vendors to work properly with their software. If they took action to solve this, I would be a happy QB customer. Instead, I have been disappointed over and over again and spent countless hours of stress and non-working step by step instructions and had to leave. If anyone has experienced this and magically fixed it, please inform us here. Otherwise, QB needs to remove US Bank as a working option.

I have spoken with my bank and they have done everything correct to link to QB, there's even an entire page about it. This issue is on the QB side.

Fiat Lux - ASIA

Level 14

@KFPro

Consider to have a 3rd party solution as a workaround.

J

JABx3

The connection seems to be broken again! Is anyone else experienceing an issue connecting to their US Bank Account through Quickbooks?

katherinejoyceO

Level 9

Thanks for letting us know about your banking connectivity issue, @JABx3. I've checked our records and couldn't find any similar issues as you have at the moment.

Sometimes, the connections may seem slow or stuck due to some maintenance issue on the bank’s end. As our initial fix, I'd recommend logging in to your bank’s website to confirm.

Here's how:

Get the URL QuickBooks uses to connect by going to Bookkeeping, select Transactions.
Select Bank transactions, or go to Bank transactions.
Select Link account to get the listed URL.
Search for your bank and select it.
Copy the URL listed for your bank.

After that, sign in to your bank or credit card's website using the copied URL. If you can sign in, that means there isn't a major issue. Next, check the following:

Check your account for messages, notifications, or alerts.
Look for any display issues as you navigate the website. These can block QuickBooks from downloading new transactions.
Check your bank’s website for any announcements about new security requirements.

Once done, go back to QuickBooks Banking page, then select Bank transactions and click Update.

You can also check out this article in case you need some guidance on fixing specific download errors: What to do if you get a bank error or can't download transactions in QuickBooks Online.

Get back to me if you have additional concerns about connected bank and credit card accounts in QB. We're always around to help.

J

JABx3

Thanks for the reply! I have been on the phone with support for several hours this week and have tried everything they have recommended... I finally got in touch with someone at the bank that was able to provide a little bit of support (Even though the bank does not provide support for Quickbooks online) and was told that the login page I am being directed to is for Wealth Management (Investment accounts) and NOT regular banking accounts. I have tried every other US Bank option that comes up, and they all route me to the Wealth Management sign-in site... A manager was supposed to call me back hours ago, but that still hasn't happened... I guess this will roll over to next week and see if it might get resolved then...

Emma_P

Answer

Community Manager

If your bank won't connect to QuickBooks Online, start with a manual update and a check of your bank's own website. If that doesn't clear it up, the cause is usually one of a few specific things: a duplicate bank listing, a file that doesn't meet upload requirements, or sign-in details that changed on your bank's side. Here's how to work through each one.

Try a manual update first

Sign in to QuickBooks Online.
Go to All apps, then Accounting, then Bank transactions.
Select Update.

Most banks refresh every 24 hours on their own, so a manual update is the fastest way to get the latest transactions right now. If it doesn't pull anything in, sign in through a private or incognito browser window and try the update again, since this rules out browser extensions or a cached sign-in. Keep in mind transactions older than 90 days can't come through the connection at all. If you need those, you'll want to upload them manually instead.

Check your bank's website directly

Sign in to your bank's website outside of QuickBooks. If you can view your account summary and history without errors, your bank's side is working, and the issue is likely in how the account is set up in QuickBooks. If you can't sign in at your bank either, reach out to them first, since QuickBooks can't move data your bank isn't sharing.

If your bank's sign-in information has changed:

Go to All apps, then Accounting, then Bank transactions.
Select the account card for the account you need to update.
Select Edit, then select Edit sign in info.
Enter your updated bank information, then select Save and connect.

Make sure you're using the right listing for your bank

Some banks show up more than once in the connection search, often because they offer separate portals for different kinds of accounts. Connecting through the wrong one is one reason an account won't sync, even when your credentials are correct.

Go to All apps, then Accounting, then Bank transactions.
Select Link account.
Search for your bank by name. If more than one result appears, try each one that could match.
Before finishing setup, select the link to your bank's sign-in page and confirm you can actually access your account summary and history there.
Once you've confirmed the right portal, continue adding the account in QuickBooks.

If your bank truly isn't listed anywhere, you can request it directly from that same Link account screen by entering your bank's web address.

If you still can't connect, upload your transactions manually

While you sort out the connection, you can bring in transactions from a file instead.

Go to All apps, then Accounting, then Bank transactions.
If you see a tile for the account, select it.
Click the Link account dropdown, then Upload from file. If the account isn't connected yet, select Upload from file or Or upload transactions manually instead.
Drag in the file you downloaded from your bank, then select Continue.
Choose the QuickBooks account to upload into, then Continue.
Match the columns in your file to the correct fields, then Continue.
Select the transactions to bring in, and Continue.
Select Yes, then Done.

Your file needs to be in English, 350 KB or smaller, and in .csv, .txt, .qbo, or .ofx format, with up to 1,000 transactions per upload. A CSV file needs either three columns (date, description, amount) or four (date, description, credit, and debit). If your upload keeps failing, shrink the date range, split it into a smaller batch, or double check the file against these requirements before trying again.

If QuickBooks flags your upload as the wrong account type

If you see a message saying the uploaded file is a different type than the account you selected, it means the file doesn't match the account you chose during upload, similar to picking checking when the file is actually from a savings account. You can select Cancel to go back and pick the right account, or select OK to continue anyway.

If your credit card transactions ended up posted to the wrong kind of account after an upload, you can fix the account itself:

Go to All apps, then Accounting, then Chart of accounts.
Find the account.
Select the dropdown next to Account history or Run report.
Select Edit.
Change the account type to Credit Card, then select Save and Close.

Still stuck?

Reach out to QuickBooks support with these details, and they’ll take a closer look:

The exact bank and account type you're trying to connect
Whether you can sign in to your bank's own website without issues
Any error message or wording you saw, word for word
Whether this is a brand-new connection or one that broke after previously working

Resources:

Update your bank feeds and bank info

Connect bank and credit card accounts to QuickBooks Online

Find your bank or credit card account when you connect to online banking

Manually upload transactions into QuickBooks Online

Fix bank upload errors in QuickBooks Online

Add to or edit the chart of accounts in QuickBooks Online