Hello dwright5528,

If you recently updated your username or password on your financial institution's account, you also need to do the same in your QuickBooks online account. That's the reason you get this message when downloading bank transactions.

Please follow these steps on how to update login credentials:

1. From the left menu, select Banking.
2. On the Banking page, select Update. QuickBooks Online tries to connect to your bank to manually update your account.
3. If Error 103 appears, select the Reconnect my account link and enter your new username or password. If no error, select the Edit (pencil) icon next to the bank name, select Edit sign-in info, and enter your updated bank website username or user ID and password.
4. Select Save and connect.
5. Once you see a confirmation message, select I'm done, Let's go!

Then, try to click on the Update button again to see the new bank transactions.

Let us know if you need anything else.