QuickBooks Bank Error 106 : Your bank account is closed or no longer active

QuickBooks Error 106: Causes, Fixes & Complete Troubleshooting Guide

Introduction

QuickBooks Error 106 is a common banking error that usually occurs in QuickBooks Online when the software is unable to find your bank account or establish a connection with your financial institution.

This issue typically appears while updating bank feeds or connecting your account and can prevent you from accessing real-time financial data. If not resolved quickly, it may disrupt reconciliation and reporting processes.

QuickBooks Error 106


What is QuickBooks Error 106?

QuickBooks Error 106 occurs when:

  • Your bank account is closed or no longer active

  • The account is not listed or recognised by your bank

  • There is a temporary issue with bank servers

In simple terms, QuickBooks cannot locate your account on the bank’s website, which leads to a connection failure.

Common Causes of Error 106

Understanding the causes will help you resolve the issue effectively.

1. Bank Account Closed or Inactive

If your account has been closed or disabled, QuickBooks cannot retrieve data.

2. Incorrect Bank Login Credentials

Wrong login details can block access to your banking information.

3. Bank Server Issues

Temporary downtime or maintenance on the bank’s website can trigger this error.

4. Changes in Bank Settings

If your bank updates its website or security settings, QuickBooks may lose connection.

5. Outdated Bank Feed Connection

An expired or broken connection between QuickBooks and your bank may cause Error 106.

Symptoms of QuickBooks Error 106

You may encounter this issue if:

  • You cannot find your account in QuickBooks

  • Bank transactions are not updating

  • You receive Error 106 during bank feed updates

  • The connection to your bank fails repeatedly

How to Fix QuickBooks Error 106

Follow these step-by-step solutions to resolve the issue:

Step 1: Verify Your Bank Account Status

  • Log in to your bank’s official website

  • Check if your account is active and accessible

  • Ensure there are no restrictions or closures

If the account is inactive, you may need to contact your bank.

Step 2: Check Your Login Credentials

  • Re-enter your bank username and password

  • Update credentials in QuickBooks if recently changed

Incorrect login details are a common cause of this error.

Step 3: Refresh Bank Connection

  • Go to Banking / Transactions in QuickBooks

  • Select your bank account

  • Click Update

This refreshes the connection and may resolve temporary issues.

Step 4: Reconnect Your Bank Account

  • Disconnect the affected account in QuickBooks

  • Reconnect it by adding the bank again

  • Link it to the correct account

This helps restore a fresh connection.

Step 5: Check Bank Website for Issues

  • Visit your bank’s website

  • Look for maintenance alerts or outages

If the bank servers are down, you may need to wait until the issue is resolved.

Step 6: Clear Browser Cache (For Online Users)

If you are using QuickBooks Online:

  • Clear your browser cache and cookies

  • Try using a different browser

  • Use private/incognito mode

This can fix session-related issues.

Pro Tips to Prevent Error 106

  • Regularly update your bank login credentials

  • Monitor bank notifications for changes

  • Keep your QuickBooks account updated

  • Avoid linking inactive or closed accounts

  • Reconnect bank feeds periodically

Conclusion

QuickBooks Error 106 is usually linked to banking connectivity issues and can be resolved with simple checks such as verifying account status, updating credentials, and refreshing the connection.

By following the steps above, you can restore your bank feed and continue managing your finances smoothly in QuickBooks Online.

Frequently Asked Questions (FAQ)

Q1. What does QuickBooks Error 106 mean?

It means QuickBooks cannot find your bank account or connect to your bank.

Q2. Is Error 106 caused by QuickBooks or the bank?

It is usually caused by bank-related issues such as inactive accounts or server problems.

Q3. How do I fix Error 106 quickly?

Verify your bank account, update credentials, and refresh the bank connection.

Q4. Can I prevent QuickBooks banking errors?

Yes, by keeping your bank details updated and monitoring account activity.

You May Also:

Understanding the End of Life of QuickBooks Desktop 2023

Upgrade to QuickBooks Desktop Plus 2024 Complete Guide

QuickBooks Desktop Support Guide

QuickBooks Enterprise Support

QuickBooks Payroll Support 

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QuickBooks Enterprise Support

QuickBooks Enterprise Customer Support

QuickBooks Desktop Support

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