I appreciate what you've done so far, Kimmy. Let me provide information about the status of the investigation and the error message you're experiencing when connecting to your bank in QuickBooks Online (QBO).

Upon further review, I've found that INV-109540 has already been closed. As per the investigation team, the problem requires additional troubleshooting before further investigation, as not all possible solutions have been explored yet.

To begin with, let's perform the troubleshooting steps attached to the INV-109540 by following the step-by-step process in this article: Fix bank error 103 in QBO.

On the other hand, the error 163 you're experiencing occurs when there's a problem updating bank information and downloading data from your bank. 

If I may ask, can you confirm which financial institution you're experiencing issues with? We would greatly appreciate it if you could provide additional information, as this will help us to deliver an effective solution.

In the meantime, let's update your bank sign-in information using a private window, as this could be a browser-related matter. Stored web caches on your browser can become corrupted, which leads to unusual displays.

Here's how:

1. Access your QBO account in different private browsers, as this ignores data from cached files:
   
   • Safari: Command + Shift + N
   • Google Chrome: CTRL + Shift + N
   • Mozilla Firefox or Microsoft Edge: CTRL + Shift + P
   
   
2. In the left navigation panel, click the Transactions tab and select Bank Transactions.
3. Select the bank account that isn't connecting and click the Pencil icon.
4. Click on Edit sign-in info.
5. Enter your sign-in information for your bank account.
6. Once done, save the information and update the bank to download new transactions.

Once resolved, let's return to your regular browser and clear its cache, not cookies. Alternatively, you can use another supported browser.

If the issue persists, I'd recommend manually uploading bank transactions to QBO.

Moreover, you can check out this article to learn how to review and approve downloaded transactions in QBO to avoid duplicate entries: Categorize online bank transactions in QBO.

Please don't hesitate to let us know if there's anything else I can lend a hand with connecting to your bank. Take care.

I've already followed the steps that you've given. Several times, in fact. I still am not connecting to my bank. I use JD Bank. I can log in to their website and access my online banking, so that is not an issue. 

I have tried the steps given several times without success. My bank is JD Bank. I am able to login on their website to access my online banking, so the issue is not there.

Kimmy,

I have been having the exact same issue for the past 2 weeks.  Different bank, same scenario.  It seems this issue has been ongoing (off and on) for a few years now.  Like you, I've tried every "fix" Intuit suggests, and once I even got an email response that the error had been corrected.  NOT.  So I am definitely following this thread, and hopefully the Intuit folks can finally fix the problem once and for all.

Thanks for bringing this up, and good luck!

I'm sorry to hear others are still having this issue. I hope that they work on a timely resolution for our problem!

Were you ever able to get this issue resolved?  If so, what was the resolution?

We started encountering this message yesterday, and I really can't have this taking a month or more to resolve!!!  

Thank you!

I am also having this problem, starting yesterday 8/26/25, but only with M&T Bank. I have accounts with other banks and those transactions are being downloaded just fine. And like earlier posters, I've tried the fixes recommended in earlier posts.

Hello, no I never got it resolved, so I stopped using QuickBooks altogether.  Every "fix" the "experts" recommended were things I already knew to try before reaching out for help. 

I have been using their products for 20+ years, but it seems every time they have a "new" upgrade, things only get worse.  I'm using paper and pencil now (I'm retired, so no clients).  Best decision ever.  

Good luck to you.