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.