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Thanks for bringing this one to our attention, CJ_Aus.
I appreciate you for performing the troubleshooting steps provided by my colleagues. The banking error 105 usually means there may be a problem on your bank's end. It's possible their website may be undergoing maintenance or have server issues causing online bank connection issues to QuickBooks.
Since it's beyond 48 hours and the same thing happens, I'd suggest contacting our Customer Support. From there, they'll pull up your account in a secure environment and investigate what's causing this issue. You may send a message via chat, call us at a time convenient to you, or we’ll get in touch with you instead. Here's how:
Feel free to visit our Banking page for more insights about managing bank feeds and reconciling accounts.
I'd like to know how you get on after performing the steps or contacting our support, as I want to ensure this is resolved for you. Please reply to this post and I'll get back to you. You have a good one.