This is not the impression we want you to experience while using the product especially during a tax season, Palu06.

I've checked here on our end and there's no reported case about the banking error 109. This happens when you try to sign in to your bank's website using the old password you entered. However, your bank denies the sign-in information since your password has expired or needs to be updated. To resolve this, try updating your password on your bank's website then update your sign-in info in QuickBooks Online (QBO). Here's how:

1. Sign in to your bank's website and update your password.
2. Log in to QBO.
3. Go to the Banking menu.
4. Select the blue bank square for the account you want to update.
5. Tap the Edit icon in the tile for the bank account you want to update. Then select Edit sign-in info.
6. Update your password.
7. When you're done, press Save and connect.

I have an article here for more details about resolving error messages or downloaded banking issues: What to do if you get a bank error or can't download transactions in QuickBooks Online. If the same thing happens, please reach out to our Customer Support Team. I know you already contacted our chat support agents, however, this is the best way for them to further investigate the issue. Just provide the reference number provided by the chat agent (if there's any) for them to review the case. 

You may send a message via chat, call us at a time convenient to you, or we’ll get in touch with you instead. To ensure we address your concern, our representatives are available from 6:00 AM to 6:00 PM on weekdays and 6:00 AM - 3:00 PM on Saturdays, PST. See our support hours and types for more details about this one. Here's how to reach them: 

1. Go to the Help menu at the upper right.
2. Select Contact Us.
3. Enter your concern.
4. Click Let’s talk.
5. Choose Get a callback. 
6. Type in your contact info.
7. Select Confirm my call.

We can browse this link here if you need help with managing your bank feeds and reconciling accounts. It'll route you to our general bank topics with articles.

I'm just one post away if you need a hand with reconciling your bank accounts. Just reply to this post and I'll get back to you. Take care always.