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I know this hasn't been easy to have connection issues between QuickBooks and your OCBC bank,BCS2020.
Bank error 105 occurs when there is ongoing maintenance on your bank or unable to establish a connection. This usually resolves within 24 hours. You may check with the OCBC Business account to see messages or notifications if something isn't working.
Additionally, I suggest reaching out to our Support Team if this issue persists. They can conduct a proper investigation to see what's causing this error:
Here's an article for more information on how to deal with Error 105: Fix banking errors 102 and 105.
Lastly, you may refer to this article to view various banking errors and how to fix them: What to do if you get a bank error or can't download transactions in QuickBooks Online
Let me know if you need further assistance with banking connectivity. The Community always has your back. Have a great day!