Error 192 means your bank requires a layer of security that does not allow QuickBooks Online to automatically download banking transactions. In some cases, your bank login credentials contain an ever-changing code that's required to access the account and only you can access the code.
To resolve error 192
Since QuickBooks Online is unable to download transactions automatically, you can upload bank transactions directly into QuickBooks Online using Web Connect.
For customers in the United States
Bank of America
Bank of America has a feature called SafePass known to cause error 192. If you're trying to connect to a Bank of America account and you're getting the error, you'll need to remove SafePass from your account. You can find instructions on how to turn off SafePass at the Bank of America website.
It may be possible to keep SafePass on your account by setting up a separate employee login on the Bank of America website. This login can be given restricted permissions that allow it to only query bank data. You can disable SafePass for this login while leaving it enabled on your main account. For help in setting this up, please contact Bank of America.
Wells Fargo has locked some accounts from being able to connect to the Bank Feeds feature in QuickBooks Online. This is so they can verify that users have the correct email and phone number set up in their profile.
If you're able to access your account via the bank website but you're getting error 192 in QuickBooks Online, contact Wells Fargo to unlock your bank account:
1-866-609-303724 hours a day, 7 days a week