Table of Contents
- Introduction: Why QuickBooks Banking Errors Happen
- A Simple Explanation of QuickBooks Errors 103 and 310
- What Does QuickBooks Banking Error 103 Mean?
- How Error 310 Is Different From Error 103
- Common Reasons These Banking Errors Show Up
- How to Fix QuickBooks Banking Error 103 Step by Step
- Steps to Resolve QuickBooks Banking Error 310
- Things to Check Before Updating Your Bank Login Details
- How to Manually Update Bank Accounts in QuickBooks Online
- Extra Security Requirements From Banks You Should Know About
- Important Notes for U.S. Users and KeyBank Customers
- When It’s Time to Contact QuickBooks Support
- Final Thoughts: Keeping Your Bank Connection Running Smoothly
Introduction: Why QuickBooks Banking Errors Happen
QuickBooks Online has become one of the most trusted tools for accounting and bookkeeping over the last few years. It makes managing finances easier, especially when bank accounts are connected directly to the software. However, like any online platform, QuickBooks can sometimes run into errors. Two of the most common ones users face are Banking Error 103 and Error 310.
These errors usually show up when QuickBooks is unable to connect to your bank due to login or security-related issues. The good news is that they’re usually easy to fix once you understand what’s causing them.
A Simple Explanation of QuickBooks Errors 103 and 310
Both errors are related to your bank connection, but they don’t mean the same thing.
- Error 103 appears when the login credentials entered in QuickBooks don’t match what your bank has on file.
- Error 310 occurs when the bank temporarily blocks QuickBooks from accessing your account until the login details are updated.
In most cases, these errors are designed to protect your bank account from being locked.
What Does QuickBooks Banking Error 103 Mean?
QuickBooks Error 103 means that your bank is rejecting the username or password QuickBooks is trying to use. This usually happens when:
- Your bank password has been changed
- The username or password was entered incorrectly
- Your bank requires extra security verification
QuickBooks stops trying to connect to avoid repeated failed attempts that could lock your bank account.
How Error 310 Is Different From Error 103
While Error 103 is about incorrect login credentials, Error 310 is more of a temporary security block. It happens when:
- Your bank needs updated login information
- QuickBooks must re-verify your identity
- The bank has paused third-party access as a precaution
Once the correct login details are updated, Error 310 usually clears up quickly.
Common Reasons These Banking Errors Show Up
Here are some common causes behind Errors 103 and 310:
- Incorrect username or password
- Recently changed bank login credentials
- Bank website updates or maintenance
- Multi-factor authentication (MFA) requirements
- Third-party access disabled by the bank
How to Fix QuickBooks Banking Error 103 Step by Step
- Click Confirm Your Credentials in the error message.
- A new window will open with your bank’s website.
- Manually type your username and password (don’t use auto-fill).
- Log in successfully, then log out of the bank’s website.
- Return to QuickBooks Online.
- Re-enter the same credentials and click Update Sign-in Info.
If you don’t see the confirmation link, manually update the account by clicking Update in the top-right corner and running the update a few times.
Steps to Resolve QuickBooks Banking Error 310
- From the left menu, select Banking.
- Click the pencil (edit) icon next to the affected account.
- Choose Edit sign-in info.
- Click the bank’s website link shown at the top.
- Confirm that you can log in and view your account details.
If the login works on the bank’s website, return to QuickBooks and manually update the account.
Things to Check Before Updating Your Bank Login Details
Before updating your credentials in QuickBooks, make sure:
- You’re using the correct bank website URL
- Your login works directly on the bank’s site
- There are no extra characters or symbols in the URL
- Your internet connection is stable
How to Manually Update Bank Accounts in QuickBooks Online
Sometimes QuickBooks needs a manual refresh:
- Click Update in the Banking section
- Run the update at least 2–3 times
- Try updating during non-peak hours for better results
This often resolves temporary connection issues.
Extra Security Requirements From Banks You Should Know About
Many banks now require:
- One-time passcodes
- Security questions
- Special access passwords for third-party apps
If your bank uses these features, confirm you’re using the correct credentials meant for external applications like QuickBooks.
Important Notes for U.S. Users and KeyBank Customers
If you’re a KeyBank customer, make sure third-party access is enabled:
- Log in to your KeyBank account
- Go to Security Center or Customer Profile
- Enable Third-Party Access
- Complete phone or MFA verification if prompted
Without this setting, QuickBooks may not be allowed to connect.
When It’s Time to Contact QuickBooks Support
If Errors 103 or 310 continue after trying all steps, gather this information before contacting support:
- Bank name
- Account type (business, personal, credit card, etc.)
- Bank login URL
- Error code displayed (103 or 310)
For immediate help, you can contact QuickBooks Online Support at +1 (833) 654-8074. Assistance is available 24/7.
Final Thoughts: Keeping Your Bank Connection Running Smoothly
QuickBooks Banking Errors 103 and 310 are common, but they’re usually easy to fix once you know what to look for. Keeping your bank credentials up to date and staying aware of your bank’s security requirements can help prevent these issues in the future.
With the right steps, you can reconnect your bank accounts quickly and keep your financial data flowing smoothly in QuickBooks Online.