Maintaining a Connection with American Express Business Credit Cards

Thank you for posting your concern here in the Community, azjb.

May I know the specific error code/message? This way, I can provide a timely solution to your concern.

It could be there are formatting restrictions in your file, and that's why the system says the format is incorrect. That being said, I suggest checking the file format if it's accepted by QuickBooks. And, you can try to change/rename the file extension to lowercase as having done with other users to main the connection. Then, make sure that your file doesn’t break the following formatting limitations:

• Special characters are not allowed.
• Zeros (0) are not allowed anywhere in the file.
• Correct any transactions that display an amount in the Description column.
• Remove the word amount if it appears in the name of the Credit or Debit column.
• MAC  users must save the file as a Windows CSV file.
• Correct and standardize the Date format to a single format (for example, dd/mm/yyyy).
• Some banks provide the day of the week and include it in the Date column (for example, 20/11/2018 TUE in column A) which is not an acceptable format. To correct this, split the date and the day of the week in two separate columns.

Please check this article to see steps on how to fix different banking errors: What to do if you see a bank error or bank transactions won’t download. 

As always, you can reach back out if you have further questions about bank connections in QuickBooks Online. I’d be happy to answer it for you.

Different errors at different times: 103 / 107 / 185.  Looked up the codes via your string as since I've reconnected several times, ruled out 103 and 185.  However, 107 is a new one on me.

As for uploading .csv files, no need/avoiding this as I prefer the convenience and accuracy of downloading the transactions.  The connection works temporarily after reconnecting via the link provided in the error message and therefore, I can stay up to date.  However, ideally and as suggested, the connection should be maintained.

Thanks for any and all help...

Different errors at different times: 103 / 107 / 185.  Looked up the codes via your string as since I've reconnected several times, ruled out 103 and 185.  However, 107 is a new one on me.

As for uploading .csv files, no need/avoiding this as I prefer the convenience and accuracy of downloading the transactions.  The connection works temporarily after reconnecting via the link provided in the error message and therefore, I can stay up to date.  However, ideally and as suggested, the connection should be maintained.

Thanks for any and all help...

pt 2.  When re-entering my sign in details to reconnect, I always receive a request for a password code (2-step security) twice.  I suspect herein lies the problem as every time QB tries to login automatically, Amex might be requesting a code.  Therefore and again, unable to maintain the connection as that cod is random each time. Seems to me that there is (or should be) a partnership protocol that allows for this connection to be maintained; I'm no expert of course but this seems a reasonable guess.

Thanks for coming back to us and sharing some updates about this banking issue, @azjb.

While QuickBooks is just a receiver of your bank feeds, the connection authentication is something that is out of our control. This security is controlled by the financial institution you connect in QuickBooks.

Users usually get those mentioned errors if the F.I. requires additional security requirements. While researching the issue we found that the bank website is prompting for OTP during each login attempt for security purpose and our product will behave the same way as per FI website and thus it is prompting for OTP in each login attempt (and /refresh ) for security purpose. If your bank or FI asks for an OTP, get your OTP (on a device, through text, call, etc.), the only workaround is to enter the code each time you see the errors.

I'm leaving the following links to help explain the error messages you're getting and how to handle them:

• Fix bank error 103

• Fix bank error 185Fix bank error 185

• What to do if you get a bank error or can't download transactions in QuickBooks Online

This thread is always open for updates and additional concerns. I'll be right here if you need other help too.

Hello @azjb,

I have reviewed the solution you’ve shared and it's correct and accurate. Thank you for sharing your inputs to help address the issue.

We love to see members supporting one another! Have a great day.

Where can I find the Business Credit Card Option? I only have the delegate option

Looks like you're having trouble finding your bank in QuickBooks, and there could be several reasons for this issue, Gemma. I can guide you through some steps to resolve it.
 

Here are the reasons why you can't find or connect to your bank.
 

• Your bank has multiple names on our list.
• Some banks don't connect to all types of accounts (e.g., personal vs. business accounts).
• Your bank is not a participating financial institution.
   

Here are some tips you can perform:
 

• Ensure you spell your bank’s name exactly as it appears on their website.
• Use broader names like Citi.
• Enter your bank's URL directly into the search bar (e.g., hsbc.com for HSBC).
• Search by the issuing bank's name (the bank that issued your bank card), which you can find on the back of your card.
   

If you have tried all the tips above and still don't work, you can request support from your bank. Here's how:
 

1. Navigate to Transactions, then select Bank Transactions.
2. Click on the Link account.
   
   
3. Enter your financial institution’s name. If it’s not found, QuickBooks might say, Hmm, we can’t find [bank’s name] in our list of providers, and give you further suggestions.
4. If you’re still unable to find your bank, select Request.
   
   
5. Enter your bank's web address (URL) in the field provided, then select Request.
   
   
    

For more information and detailed steps on how you can find your bank in QuickBooks, refer to this material: Find your bank or credit card account when you connect to online banking in QuickBooks Online or Sel....

Moreover, when you connect your bank in QuickBooks Online here's an article that guides you on how to categorize bank transactions to ensure accurate and detailed record-keeping of financial transactions: Categorize online bank transactions in QuickBooks Online.

Additionally, once you connect your account, you can check our QuickBooks Live Expert Assisted if you need help keeping your business organized. 
 

Let me know if you have questions about finding a bank in QuickBooks Online by replying to this thread. I'm here to help.