Since our Credit Union (Island Savings Credit Union) installed a new online banking system the automatic download of transactions continues to get 185 errors.

Forum|Forum|6 hours ago
July 9, 2026
1 reply
3 views

This started in May 2026 when Island Savings Credit Union ‘upgraded’ their online banking system. It now forces two step verification and insists on sending a verification code by text to a mobile phone. We have been working with QB since that time but so far have not succeeded in getting the automatic system to work. The credit union says the two step verification can not be turned off. They blame QB but that is not reasonable. Really this small credit union seems not to have the expertise to resolve this. Has anyone had this same problem? Our client has 7 accounts with this credit union. If this can’t be resolved they will either change to a bank where it works or move from QB.

JayCaeR

QuickBooks Team

Error 185 indicates that Island Savings Credit Union requires a mandatory two-step verification code every time QuickBooks tries to connect. Because this security feature cannot be disabled, QuickBooks Online is unable to download your transactions automatically.

For more information about this issue, please refer to this article: Fix Bank Error 185.

In the meantime, to keep your records current, you can manually download your bank transactions as a workaround.

If managing multiple accounts becomes too cumbersome, you might consider switching to a bank that utilizes security methods compatible with QuickBooks feeds, or periodically check if Island Savings Credit Union updates its connection protocols to allow for smoother integration.

Please don’t hesitate to reply below if you have any other questions or concerns.

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