How to Fix QuickBooks Online Error 103: Complete Troubleshooting Guide

If you’re trying to connect your bank account to QuickBooks Online and suddenly run into Error 103, you’re not alone. This error means that QuickBooks couldn’t log in to your bank’s website using the credentials you entered. The good news? It’s usually easy to fix.

In this guide, we’ll break down what causes QuickBooks Error 103, how to fix it, and what to do if the error keeps coming back.

Need expert help? Call 855-749-2321 for QuickBooks Online support.

Table of Contents

What is QuickBooks Online Error 103?

Error 103 in QuickBooks Online occurs when your login credentials (username or password) for your bank account are incorrect or outdated. QuickBooks tries to access your online banking, but the bank’s website rejects the login request.

Common Error Message:

“We can’t verify your credentials. Error 103.”

Causes of QuickBooks Online Error 103

Here are some of the most common reasons why you might see Error 103:

Incorrect bank username or password entered in QuickBooks
Outdated login credentials saved in QuickBooks
Browser settings or saved autofill interfering with login
Your bank’s website has been updated or changed its login process
Multi-factor authentication (MFA) setup changed at your bank

How to Fix QuickBooks Online Error 103

Step 1: Double-Check Your Bank Login Info

Open a new browser tab.
Visit your bank’s website directly.
Log in using the same username and password you’re using in QuickBooks.
If the login fails there, you need to reset your credentials with the bank.

Tip: Always copy and paste your password to avoid typos.

Step 2: Update Login Info in QuickBooks

In QuickBooks Online, go to Banking.
Select the bank account showing Error 103.
Click the Edit (✎) icon.
Choose Edit sign-in info.
Enter your correct credentials and click Update.

Step 3: Clear Browser Cache & Cookies

Sometimes stored data can interfere with new login attempts.

Clear your browser’s cache and cookies.
Log out of QuickBooks Online, then log back in.
Try reconnecting your bank account.

🔄 If using auto-fill, try disabling it for that session to enter credentials manually.

Step 4: Disconnect and Reconnect the Bank Account (If Needed)

If the above steps don’t work, you may need to disconnect and reconnect the account.

Go to Banking > Linked Accounts.
Click the bank account and choose Edit account info.
Select Disconnect this account on save.
Save changes, then go back to Banking > Link account and reconnect it with the correct login.

Important Notes

QuickBooks will never update your bank credentials automatically. If your bank changes its login rules, you’ll need to update them manually in QBO.
If your bank recently added two-step verification, you may need to complete authentication when connecting.
Do not keep retrying with incorrect credentials, as this may temporarily lock you out of your bank account.

Still Stuck with Error 103?

Sometimes Error 103 can persist due to a backend issue or a change on your bank’s website that QuickBooks hasn’t updated yet. If that’s the case, the best solution is to contact QuickBooks support directly.

Call 855-749-2321 to speak with a certified QuickBooks Online expert and get back to business fast.

Final Thoughts

QuickBooks Online Error 103 is usually just a sign that something’s off with your bank login. By carefully checking and updating your credentials, you can usually fix it in minutes. If not, we’re here to help you troubleshoot and reconnect your accounts.

Need more QuickBooks Online tips or error fixes? Stay tuned to our blog and don’t hesitate to reach out for expert help.

https://qbcloudhostingsolutions.tawk.help/article/how-to-generate-form-941-in-quickbooks-desktop-payroll

https://adrianne02.ladesk.com/117149-855-749-2321-Why-Isnt-QuickBooks-Generating-My-Form-941-Correctly–Common-Issues–Fixes

https://vocal.media/photography/i-ve-filed-form-941-but-quick-books-is-still-showing-unfiled-status-how-do-i-fix-this

https://qbdesk.tawk.help/article/how-to-set-up-local-taxes-in-quickbooks-payroll

https://qbdesk.tawk.help/article/complete-error-guide-fixing-sui-out-of-balance-in-quickbooks-online

https://vocal.media/stories/how-do-i-enter-state-unemployment-taxes-on-form-941-in-quick-books

https://vocal.media/stories/call-855-749-2321-to-troubleshoot-form-941-in-quick-books-desktop-payroll

https://qbcloudhostingsolutions.tawk.help/article/pro-tips-for-correcting-or-changing-1099s-in-quickbooks

https://adrianne02.ladesk.com/428318-855-749-2321-How-to-Correct-or-Change-1099s-in-QuickBooks-Step-by-Step-Guide

https://qbsupportusa1.weebly.com/quickbooks-error-code–6189

https://qbsolution.ladesk.com/114524-QuickBooks-Error-Code-1722-Windows-Installer-Issue-Explained