Hi there, @lizb2.
Thanks for taking the time to posts your first concern in the Community. I'd be delighted to be your QuickBooks guide today.
Some banks require additional security steps before you can link your account with us, the reason you're getting the error 185. Since you need to change your contact info to get the One-time password (OTP), I'd recommend visiting your financial institution (FI) website to update this info with them.
For future reference, read through this article: Connect bank and credit card accounts to QuickBooks Online. It also includes steps to help you categorize the recent transactions after your bank successfully link with us.
Visit again if you need more help with connecting your banking account. You can always count on me here in the Community.