Who can setup a bank connection in QuickBooks Online and QuickBooks Self-Employed?
Why do I need to be the primary user to set up my online banking connection in QuickBooks Online or QuickBooks Self-Employed? Due to some banks and financial institutions policies, you may encounter restricted access when you try to set up a new connection between QuickBooks Online or QuickBooks Self-Employed and a bank or financial institution.
Who can set up an Online Banking connection in QuickBooks Online or QuickBooks Self-Employed? Typically, any banking user can set up the connection between your bank or financial institution (FI) and QuickBooks Online or QuickBooks Self-Employed. However, in some cases your bank or FI blocks anyone other than the primary user from setting up the connection. The bank or FI may include some restrictions to ensure that third-party applications don’t access your transaction data. Sometimes, these restrictions treat QuickBooks Online or QuickBooks Self-Employed as such an app and require that the primary user set up the initial connection with the app.
How do I know if my FI has restrictions? Each bank or FI uses their own messaging if they block secondary or delegate users from establishing app connections. The exact message comes directly from the bank, not from Intuit, and may say something like “your account is not eligible” or it may specifically mention a secondary or delegate user and instruct you to have the primary user complete the task.
At this time, we are aware that JP Morgan Chase and Bank of America require that a primary user set up the connection. There may be other banks and FIs who also restrict access for setting up the connection.
Below is a list of specific messages that we are aware of.
Chase / JP Morgan Chase
It looks like you can’t grant this app access to your account.
Bank of America
We're sorry but only the Business Account Owner is eligible to consent to share account data with a Third Party Site.
We’re sorry, your account is not eligible. Please close your Browser.
What should I do if I run into this restriction? If you run into this restriction when you set up or update a bank connection in QuickBooks Online or QuickBooks Self-Employed, the best thing to do is have the primary banking user add or update the connection.
Why was I able to set up these connections in the past? The connection that downloads the transactions to QuickBooks Online or QuickBooks Self-Employed may or may not be viewed by the bank or FI as an “app connection.” If your bank or FI classifies this connection as an “app connection” and if they restrict app connections from being created by secondary/delegate users, then you may run into this restriction. If you manage connections between QuickBooks Online or QuickBooks Self-Employed with multiple banks or FIs, you may run into this restriction with some but not with others.