Can not connect to Merrill Lynch - 105 Error

Hi JeffH66. Thank you for informing us this problem. 

There's currently an open investigation (INV-115311) regarding Merrill Lynch error 105.
 

Intuit will need to collaborate with your bank or financial institution to resolve this issue. I recommend contacting our live support team to add your information to the list of affected users. They will provide updates as soon as it becomes available.

Here's how to connect with our live support:

  1. Sign in to your QuickBooks account.

  2. Click Help (?) at the top right.

  3. Enter your concern, then hit Let's talk.

  4. Select Contact Us to connect with a live support agent.

  5. Choose a way to connect with us:

• Start a chat with a support expert.
• Get a callback from the next available expert.
   

  It is important to note that our support hours are as follows:

• Plus, Essentials, Simple Start M-F 6 AM to 6 PM PT and Saturday 6 AM to 3 PM PT
• Advanced, they are open 24/7

To understand more about the schedule of our support team, check out this article: Contact QuickBooks products and services support.

While this concern is under investigation, you can try these troubleshooting steps that might work on your end: Fix bank error 102 and 105 in QuickBooks Online.

Reach out us if you have any further thoughts or questions about bank connection. We will promptly get back to help you.
 

@JeffH66 

Try opening your QBO account any private/incognito browser.

I am having the same issue.

I can log into the account at ml[dot]com with no problem.

QBO has been unable to update this account since the start of December.

Hi there, @Oldwindways.

I can see the urgency of rectifying the error and being able to connect your bank to QuickBooks Online (QBO).

Our engineers are currently working on this to sort it out as quickly as possible. Since they are working on this internally, please know that we cannot provide a turnaround time regarding their efforts.

Moreover, I recommend contacting our QuickBooks Support Team to ensure you'll get an update about the resolution status. This way, they can add your company file to the list of affected users and provide this investigation number for easy tracking: INV-115311. To reach them, you can follow the steps below:

1. Sign in to your QuickBooks Online account.
2. Click the Help button.
3. In the QuickBooks Assistance chat box, select Talk to a Human or tap the Contact Us button at the bottom.
4. Then, type in your reason for contacting us in the What can we help you with? Box and click Continue.
5. From there, choose a way to connect: Start a conversation, Get a callback, or call our support line directly by getting our phone number.

Additionally, refer to this article for other options when contacting them. You can also scroll down to the bottom to take note of their support schedule and hours: Get help with QuickBooks products and services.

For the time being, we can manually upload your transactions via a CSV file to get them into your bank feeds instantly:

1. Go to the Transactions menu and select Bank Transactions.
2. Tap your bank’s tile where you want to upload the file.
3. Tap the Link account dropdown and select Upload from file.
4. Hit the Drag and drop or select files and then select the file you downloaded from our bank. Then, click Continue.
5. Follow the onscreen procedures to match the columns on the file with the correct fields. Then, select Continue.
6. Select the transaction you’d like to import and select Continue. After that, select Yes.
7. Lastly, click Done.

However, please know that once the investigation is resolved, your transactions will start to download which may cause duplicates. In that case, you can exclude them from your bank feeds. 

Once done, you can consider categorizing and reconciling them afterward to keep your records accurate and immediately spot any possible discrepancies in the account.

We appreciate your patience while we’re working on the connection with the bank. Please know that the Community always has your back if you have additional questions about QuickBooks. I'll be right here to help.

I'm having the exact same problem. I have no problem getting onto ML but receive a 105 error code. I called ML and they said call QB. I will add myself to the investigation. 

I appreciate your patience regarding the connection issue between Merrill Lynch and QuickBooks and your proactive approach in reporting this problem, SPD2024. I understand how important it is for you to access your financial information, and we want to assure you we're actively investigating the 105 error you are experiencing.

Our technical team is diligently working to identify the root cause and develop a solution. While the investigation (INV-115311) is still in progress, please be assured we're taking this matter seriously and are committed to resolving it as swiftly as possible. At this time we don't have a specific timeline for resolution, but we will keep you updated on any significant developments.

I'm pleased to hear you plan to add yourself to the ongoing investigation. By contacting our support team, you'll be added to the list of affected users and ensure you receive timely updates as they become available. When you reach out please reference the investigation number for easy tracking.

Here's how you can reach them:

1. Navigate the (?) Help button at the top right corner.
2. Click the Search tab and tap Contact Us.
3. Select a topic to connect with the live expert.
4. Choose how to connect with us. Have us call you or Chat.

To ensure you receive timely assistance, please check our support hours: Get help with QuickBooks products and services.

In the meantime, you can manually upload your transaction into the program using a CSV file format as a workaround. Remember to exclude these transactions once bank feeds are restored to avoid duplicates.

Additionally, I recommend reconciling your account so that your records always match your bank and credit card statements.

We appreciate your understanding and patience as we work to resolve this issue. If you have any further questions or notice any changes in the error behavior, please don't hesitate to reach out. We remain committed to providing you with the best possible service and support.

Was this resolved? Having the same issue 

It hasn't been resolved and I don't understand why it's so difficult.  The connection to Merrill Lynch worked for years and now just stopped?  It's making it extremely hard for me to use QB anymore.  What is the ETA for this being fixed and please don't just say that "our developers are working on it"?

I appreciate you for reaching out, @qchase and @JeffH66. It's reasonable to expect a reliable connection, and I want to assure you that your feedback is important to us.

The investigation of the connections issues with Merrill Lynch is still ongoing and I can see how this has impacted your experience. Please know that we currently don't have a specific timeframe for when a resolution will be implemented. 

In the meantime, I recommend contacting our Customer Support team to ensure you are added to the list of affected users. This way, you’ll receive updates once we have more information about the situation. Here’s how to get in touch with them:

1. Go to the Help icon in the top right-hand corner.
2. Select Search, then press the Contact Us button.
3. Enter your question in the box and hit Continue.
4. Please choose the best way you'll want to reach out to us.
   
   

As an alternative, you may consider uploading your transactions manually into QuickBooks Online using a CSV file format. Then, categorize them to ensure they will be allocated to their proper accounts. 

You can also create a bank rule that automatically categorizes transactions for you.

We appreciate your patience and understanding while we work through this. If there's anything else we can assist you with, please let us know by clicking the reply below. We’re here to support you!

This seems to be an ongoing issue, causing bookkeeping issues due to the broken connection.

Is there a timeline for resolution? How is QB going to credit accounts for the broken connection and inability to use the tools? Based on some Google searches, this has been an issue for a few months without resolution.

How is QB going to make this right for users who can't keep books up to date because this is broken? 

For now, there's no specific timeline for when the investigation will be closed. Our engineers are still working with Merrill Lynch to resolve Error 105, EventuallyACastle.

I know how important timing is when keeping financial records up to date. Rest assured that we will update you once the issue is resolved.

We also need to add you to the list of affected users, please reach out to our chat or support teams. Everyone on the list will receive email notifications of the progress of the investigation.

Here's how to reach out to them:

1. Click the Help menu in the upper-right-hand corner of QBO.
2. Proceed to the Assistant tab.
3. Type in "contact support" in the chat box and press Enter.
4. Select Contact a human, then click Live Chat or Call me back.
5. Type in a short description of your concern and click Continue.
6. Choose between Callback or Chat.

In the meantime, you can ask for a copy of your banking transactions as a CSV file from your bank. Then, import it in QBO while is issue is being worked on.

You can use these articles for step-by-step instructions:

• Format CSV files in Excel to get bank transactions into QuickBooks
• Manually upload transactions into QuickBooks Online

Additionally, I'd like to share these articles that can serve as reference materials when working with your banking transactions:

• Unmatch downloaded bank transactions or move them to another account
• Reconcile an account in QuickBooks Online

We truly appreciate your patience during this process and will keep you informed of any significant developments. Remember, we're here to support you with any QuickBooks-related questions or concerns you may have about managing your financial data or general bookkeeping tasks.

This seems to be an issue going all the way back to December 2024. Can you confirm?

Is this something that we expect to be resolved within the month?

Is there a reason you didn't answer the question about how QB is crediting affected users? 

Yes, our product engineers have been diligently working on resolving this issue since last year, EventuallyACastle. I know that seamless connections are crucial to your daily operations, and I recognize the inconvenience this issue has caused. Let me give you an update.

Our back-end team has escalated a ticket for error 105 with the bank connection with Merrill Lynch. Currently, Intuit is working with the bank developers to resolve this concern, and the next scheduled update is on January 18, 2025. However, we'll email you when any new information is available. Just ensure to contact our Customer Care Team so they can add you to the list of affected users.

While I can't provide a specific timeline for when this issue will be resolved, please rest assured that our product engineers are diligently working to find a permanent solution.

Furthermore, as a workaround, you can import your transactions manually using a CSV file so you can continue with your daily tasks in QuickBooks.

Once the issue is resolved, here are some resources to help you organize your transactions and ensure your QuickBooks accounts match your real-life ones:

• Find, review, and edit transactions in account registers in QuickBooks Online
• Reconcile an account in QuickBooks Online

I appreciate your patience as our engineers work on a permanent solution. If you have any other banking concerns in QuickBooks, please reply in this comment section. Know that we value your business and are here to support you through this

I have had this problem since November 20, 2024. I imported some of the transactions and then asked for assistance from QB. I was on the phone today and the "expert" convinced me to unlink the Merrill Lynch account. I expressed concern about doing so as I feared this would result in duplicate transactions but he said this was the solution. I unlinked the account and now can't get Merrill Lynch to link AT ALL! I can log into Merrill Lynch no problem but can't get it to Link through QB. I don't know what to do now. Help!

So, the good news is that unlinking the account didn’t do anything.  The connection is broken, has been for awhile whether your account is linked or not and it’s apparently not going to be fixed anytime soon.  But at least their devs are “working on it”

Time to find another solution or just keep uploading a downloaded file periodically.  

The good news is that unlinking didn’t harm anything for you.  The bad news is that it’s because the connection to ML is totally broken either way.  But, good news, their devs are “working diligently on it” .  Apparently, it’s not going to be fixed for a while.  

I appreciate the details you've provided and expressing your concern about trying to connect Merrill Lynch to QuickBooks Online (QBO), SPD2024.

Reported cases regarding this Merrill Lynch issue have emerged in QBO under the tag INV-115311. I suggest contacting our Support Team for assistance, as they are investigating this matter and can add you to the affected list. Rest assured, I'm directing you to our Support Team, who will notify you via email once the issue is resolved. Here’s how:

1. Sign in to your QBO account.
2. Click on Help (?) at the upper right corner of your screen.
3. Tap on Search, then select Contact Us.
4. Select a topic to connect with the right expert.
5. Choose how to contact our QB support team, via a Callback, where they’ll save you a spot and call you back, or via Chat, start a chat with our support.

Our support services are available Monday through Friday, 6 AM to 6 PM Pacific Time, and Saturday, 6 AM to 3 PM Pacific Time.

As a workaround, you can manually upload transactions if you want to enter old transactions, can’t find your bank, or connect it to QuickBooks: Manually upload transactions into QuickBooks Online.

In addition, you can check out this resource for future reference in matching and managing your downloaded transactions in QuickBooks:

• Categorize and match online bank transactions in QuickBooks Online

Please update me on the outcome of the issue with connecting to QBO in the comments below. I want to make sure this gets resolved so you can concentrate on managing your business effectively. Have a great day!

My team at Merrill Lynch advised me this morning that the ML tech team has identified the issue and is in the process of implementing the repair.  Question to the Intuit QBO team - what does it mean that the next scheduled update is Jan 18?  Does that mean that the 18th is the earliest this issue will be fixed as result of an update to the QBO system, or is that the next scheduled date to update the QBO community about the issue?

Hey, @john312. 

Thanks for joining in on this thread about the ML 105 bank error. I'd be more than happy to answer your question. 

The January 18th date is the next time that Intuit/Product Developers will send out an update on the investigation and how it is progressing/if it's resolved. However, we do recommend keeping an eye out on your email to be sure that you don't miss any updates that they may send out before hand. 

If you have any further questions, don't hesitate to reach back out. I'm only a post away! 

Why does ML say this is an issue with QB, yet you continue to note this is a joint collaborative fix? They seem to think its a problem completely on the QB side.

Why will a timeline for resolution not be provided, or a direct offer of credit to all affected users?

It seems and feels like Quickbooks is trying to push this under the rug instead of providing real solutions and fixing the issue. 

When can we all expect this to be fixed? Not an update, but resolved? It seems like everyone just gets the same template response versus someone who is aware of the actual issue, noting what is broken, how it's being fixed, and a real timeline for it being solved...