QuickBooks Bank Error 106: The bank account has been closed or disabled
How to Fix QuickBooks Banking Error 106: Complete Guide to Causes, Symptoms, and Solutions
Quick Answer: What Causes QuickBooks Error 106?
- The bank account has been closed or disabled.
- The account number has changed.
- The account is hidden in online banking.
- The bank has updated its systems.
- QuickBooks cannot locate the linked account.
- Banking permissions have been modified.
- Temporary bank server issues are preventing access.
Signs and Symptoms of QuickBooks Error 106
Banking Symptoms
- Transactions stop downloading.
- Account balances fail to update.
- Bank feeds become inactive.
- Online banking synchronization fails.
- New transactions are missing.
Accounting Symptoms
- Delayed reconciliations.
- Incorrect account balances.
- Outdated financial reports.
- Increased manual data entry.
Business Impact
- Reduced visibility into cash flow.
- Slower month-end closing processes.
- Additional bookkeeping workload.
- Delayed financial decision-making.
Top Causes of QuickBooks Error 106
1. Bank Account No Longer Exists
If the account has been closed, suspended, or merged into another account, QuickBooks can no longer locate it.
2. Hidden Online Banking Account
Many financial institutions allow users to hide accounts from their online dashboard. Hidden accounts may not be accessible to QuickBooks.
3. Account Number Changes
Banks occasionally update account numbers because of:
Account upgrades
Bank mergers
Fraud protection measures
Internal account conversions
4. Banking System Updates
Changes to banking APIs, security protocols, or account structures can temporarily disrupt QuickBooks connections.
5. Restricted Third-Party Access
Some banks require users to manually authorize access for accounting software such as QuickBooks.
6. Temporary Server Issues
Maintenance windows and unexpected outages may prevent QuickBooks from retrieving account information.
How to Fix QuickBooks Error 106
Solution 1: Verify Your Account Through Online Banking
The first step is confirming that the account still exists.
Visit your bank's website.
Sign in to online banking.
Locate the account connected to QuickBooks.
Verify that it remains active and visible.
Review account settings and permissions.
If the account is missing, contact your financial institution.
Solution 2: Review Bank Notifications
Many users overlook important banking alerts.
Check for:
Security warnings
Account verification requests
Updated terms and conditions
Product migration notices
Account conversion messages
Complete any required actions before reconnecting QuickBooks.
Solution 3: Refresh the Bank Feed Connection
Open QuickBooks Online.
Select Banking.
Choose the affected account.
Click Update.
Allow the refresh process to finish.
This often resolves temporary connection issues.
Solution 4: Disconnect and Reconnect the Account
If QuickBooks cannot find the account:
Disconnect
Navigate to Banking Settings.
Select the account.
Click Disconnect.
Reconnect
Choose Connect Account.
Search for your financial institution.
Sign in with your banking credentials.
Link the correct account.
Solution 5: Make Hidden Accounts Visible
Many banks provide account visibility settings.
Verify that the account is not:
Hidden
Archived
Disabled
Excluded from online banking access
After making the account visible, update QuickBooks again.
Solution 6: Clear Browser Cache and Cookies
Corrupted browser data may interfere with banking sessions.
Clear:
Cookies
Cached files
Saved site data
Browser history
Restart your browser and attempt another update.
Solution 7: Use Private Browsing Mode
Open QuickBooks in an Incognito or Private Browser window.
This helps identify:
Extension conflicts
Session issues
Cache-related problems
Advanced Troubleshooting
Check Security Software
Review settings in:
Firewall applications
Antivirus programs
VPN software
Network filtering tools
Some security programs may block QuickBooks banking requests.
Test Another Browser
Supported browsers include:
Google Chrome
Microsoft Edge
Mozilla Firefox
Safari
If the issue disappears in another browser, your original browser configuration may be causing the problem.
Contact Your Financial Institution
Ask the bank:
Is the account active?
Has the account number changed?
Are third-party integrations supported?
Are there ongoing service interruptions?
How to Prevent QuickBooks Error 106
Follow these best practices:
Keep QuickBooks updated.
Monitor banking notifications regularly.
Review connected accounts monthly.
Avoid hiding accounts linked to QuickBooks.
Verify banking permissions after account changes.
Maintain secure and stable internet access.
Respond promptly to bank verification requests.
Frequently Asked Questions
What does QuickBooks Error 106 mean?
It means QuickBooks cannot locate the bank account associated with your online banking connection.
Can a closed bank account cause Error 106?
Yes. Closed or disabled accounts are among the most common causes of this error.
Is QuickBooks Error 106 related to login credentials?
No. Incorrect login credentials usually trigger QuickBooks Error 103 rather than Error 106.
Can Error 106 fix itself?
If the issue is caused by temporary banking maintenance, it may resolve automatically. Account-related issues usually require manual action.
Does QuickBooks Error 106 affect accounting data?
No. Existing accounting records remain intact, but new banking transactions may stop syncing until the issue is resolved.
Conclusion
QuickBooks Error 106 is a banking account access issue that prevents QuickBooks Online from locating or updating a connected financial account. The problem commonly occurs after account changes, hidden account settings, banking system updates, or restrictions imposed by the financial institution.
Fortunately, most cases can be resolved by verifying the account through online banking, reviewing bank notifications, reconnecting the account, and ensuring that QuickBooks has proper access permissions. By proactively monitoring banking changes and maintaining accurate account settings, businesses can prevent future interruptions and keep their financial data synchronized.
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