I'll go over some details regarding the bank error 185 you've encountered in QuickBooks, Judy.

Bank error 185 occurs when your financial institution requires additional verification after you log in. To resolve this, you'll have to answer security questions or enter a one-time password sent by your bank. 

Considering that you don't have access to the phone number listed in the bank's credentials, you'll want to reach out to your bank to inquire if there's something that they can do about the verification process.

Feel free to reply to this post if you need further assistance.