Thank you for taking time to reply my comment, but I already followed every single of those steps and still doesn't work, I tried 5 times. I talked to 4 representative of QBO each day and they keep telling me that the engineer team is working on that issue, but I need a solution right away, it is tax season. 

This is their response: Thank you so much for having me through chat today. Just a quick recap you reached us today because whenever you're trying to link your bank an error is showing which is error 109. Upon thoroughly checking, there's an on-going investigation (INV-65903 - Boeing Employee Credit Union - Error 103, 109 and 0000)