Hi there, @jjones2.

Let's perform some troubleshooting steps to fix error 103 so you can connect your Home Depot Commercial Account to QuickBooks Online (QBO).

The error 103 means the user ID or password is incorrect for the bank account you’re trying to connect to. To verify, let's confirm if your sign-in info is correct. Here's how:

1. Open a new window in your web browser and go directly to your bank’s website. Take note of the web address (e.g. https://www.bank.com). 
2. Sign in with the user ID and password you have. 
3. If you sign in successfully, then you know the user ID and password are correct. If you get a sign-in error, follow your bank’s instructions to get your user ID, reset your password, or both.

Then, turn on third-party access if your bank requires it. Some banks need your permission to connect your account to another service, including QBO. While you visit your bank’s website, check if your bank has this requirement. If so, follow your bank’s instructions to turn it on.

Once done, enter your bank sign-in info in QuickBooks. You can follow the steps below:

1. Sign in to your QBO account.
2. Click Bookkeeping and select Transactions, then select Bank transactions.
3. Select Connect account on the page.
4. In the Search field, enter your bank's web address (URL). 
5. Select your bank in the search results. 
6. If your web browser auto-fills the user ID and password fields, clear them. This ensures your browser doesn’t put in old info by mistake.
7. Manually type in the user ID and password for your bank account. If your bank offers a Show option, select it so you can confirm you entered the password correctly.
8. Click Continue.

If you have an existing connection, you can check out this article for the detailed steps: Fix bank error 103 in QuickBooks Online.

Just in case you have successfully connected your account, QuickBooks will download your bank transaction and categorize them into the correct account.

Come back to this post if you have other concerns or follow-up questions about connecting bank accounts. I'm always here to help.