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sgreathouse
Level 2

I am trying to link a credit card to QB and I am getting an error saying that I do not have access and to have the bank account owner to do it (357)

I have contacted American Express and they say this is a QB issue.
7 Comments 7
MaryJoyD
QuickBooks Team

I am trying to link a credit card to QB and I am getting an error saying that I do not have access and to have the bank account owner to do it (357)

Let's discuss the error and resolve it to connect the bank successfully, @sgreathouse.

 

You'll encounter this error when secondary users attempt to connect the bank in QuickBooks Online (QBO) using their credentials. To resolve this, use the primary user's credentials to link the American Express account.

 

 

In the meantime, you can add those missing transactions through the WebConnect process. You’ll have to manually download the transactions from the bank. Then, upload the file to your account.

 

Download bank transactions:

  1. Go to your online banking account to get your file.
  2. Check or follow your bank’s instructions to get a copy of the data and then save on your computer.
  3. Ensure that the data range is at least one day before your oldest transaction to avoid duplicates.
  4. Please take note of the supported file format and size. It should be either a Comma-Separated Values (CSV) or a QuickBooks Online (QBO) file. 
  5. Download your transactions and save the file to your desktop. 

To upload the file to your QuickBooks account: 

  1. Go to the Banking menu and select the bank where you’re uploading the transactions from the Banking tab.
  2. Click the Lin account drop-down and select Upload from file
  3. On the window that appears, click the Browse button and choose the file that you’ll be downloading. 
  4. Click on Open, then Next.
  5. Follow the onscreen instructions. Match the columns on the file with the banking fields in QuickBooks, then select Next.
  6. Click on Let's go. QuickBooks will now add the transactions to your account.

Check this article for more information: Manually upload transactions into QuickBooks Online. From here, you can now categorize  and then reconcile the transactions.

 

Let me know if there’s anything else that I can assist about your bank account by leaving a comment below. I’m always here to assist. Have a wonderful day!

sgreathouse
Level 2

I am trying to link a credit card to QB and I am getting an error saying that I do not have access and to have the bank account owner to do it (357)

Thank you so much for your quick response!  I tried logging in as the primary user, but it is not showing me the two secondary accounts. I do not want the primary account linked to QB at all. I also already have one of the secondary accounts linked to QB and I'm now trying to add/link the newer one. I hope that makes sense! 

IamjuViel
QuickBooks Team

I am trying to link a credit card to QB and I am getting an error saying that I do not have access and to have the bank account owner to do it (357)

Hello there, @sgreathouse.

 

When connecting your bank and credit card, you'd want to consider how your transactions are posted. If the transactions were downloaded to the primary account, connect only the parent account. However,  if the transactions were downloaded to the individual secondary accounts, connect the sub-accounts and not the parent account.

 

In the meantime, you'd want to try disconnecting the connected secondary credit card account from online banking. Let me guide you on how to do it.

  1. Go to the Accounting menu.
  2. Choose the Chart of Accounts tab.
  3. Locate the parent account of the Credit Card you want to set up.
  4. From the Actions column, click the View Register drop-down.
  5. Select Edit.
  6. Mark Disconnect this account on save tickbox.
  7. Click the Save and Close button.

If you're still unable to see the newer secondary account, you can manually add it in QuickBooks. Here's how:

  1. Go to the Accounting menu.
  2. Select the Chart of Accounts tabs.
  3. Click the New button.
  4. Choose the Account Type drop-down, select the account type (Credit Card).
  5. In the Detail Type drop-down, choose the type of account you want to create (Credit Card).
    • Check the box for Is sub-account, and chose the parent (reconcile) account.
  6. Enter a name for the account In the Name field.
  7. Hit Save and Close.

Once completed, you can manually add the transactions to the account and categorized them. You can follow the steps shared by my colleague, @MaryJoyD.

 

Lastly, I'm adding these articles to help you manage your accounts and transactions: 

Know you can always find me here for all of your QuickBooks needs, I want to ensure your success. Thanks for reaching out and enjoy the rest of the week.

sgreathouse
Level 2

I am trying to link a credit card to QB and I am getting an error saying that I do not have access and to have the bank account owner to do it (357)

I finally figured out how to link a secondary amex account (you have to scroll through the list of credit card types and choose the one that says parent account), but none of the transactions linked so I did it manually.. Well, the account total is showing up as a negative number?? Any idea what is going on? 

Jessica_young
Moderator

I am trying to link a credit card to QB and I am getting an error saying that I do not have access and to have the bank account owner to do it (357)

Let's get this balance corrected for you, @sgreathouse.

You may be seeing a negative balance in your Amex account because of an incorrect opening balance or transactions that are older than your opening balance.

 

To fix this, let's start by reviewing the opening balance entry in the Chart of Accounts. Here's how:

  1. Select the Accounting menu, then select Chart of Accounts.
  2. Find the account on the list.
  3. Select View register to get more details.
  4. Search for the opening balance entry. It should have Opening Balance Equity in the Account column.
  5. Make a note of the date and balance. 

If you forgot to enter an opening balance, but, you're already tracking transactions in the account, you can enter the opening balance manually so your accounts stay balanced. 

 

Then, you'll compare the balance on your bank records to what you entered as the opening balance in QuickBooks. If the amount doesn't match your statement,  you can edit it. Here's how:

  1. Go back to your bank register.
  2. Select the opening balance entry to expand the view.
  3. In the Deposit column, edit the balance so it matches your bank records.
  4. Select Save.
  5. Hit Yes to confirm.

Then you'll run the Balance Sheet and Trial Balance reports. If you get the same result, I recommend the additional resolutions in the following article to make sure the opening balance is correct: Fix beginning balance issues in QuickBooks Online. You can go directly to Step 2.  However, if you recently entered older transactions that come before your opening balance, please refer to the article below to reconcile them: Reconcile Older Transactions.

 

I'd love to know if this works for you! Please don't hesitate to reach out if you have any other questions. Take care!

 

 

sgreathouse
Level 2

I am trying to link a credit card to QB and I am getting an error saying that I do not have access and to have the bank account owner to do it (357)

Once I manually enter the transactions, will all new transactions automatically be linked or will I always have to do it manually?

JonpriL
Moderator

I am trying to link a credit card to QB and I am getting an error saying that I do not have access and to have the bank account owner to do it (357)

Hello @sgreathouse,

 

Let me help share information about how your transactions are downloaded based on your credit card account set up.

 

To start with, you'll only need to connect the parent account once your transactions are downloaded as one. But if not, you'll have to connect each sub-accounts of your credit cards so you're transactions are downloaded correctly.

 

With this, I'd recommend contacting your financial institution for guidance on your account setup. To add, it is recommended not to manually enter transactions for the accounts that are connected to online banking since they'll be downloaded once every day to avoid any duplicate entries.

 

That being said, here's an article you can read to learn more about your account set up: About bank or credit card subaccount setup.

 

Additionally, I've also included this helpful article for the steps in categorizing your downloaded transactions: How to review downloaded bank and credit card transactions and put them in the correct accounts?

 

If there's anything else that I can help you with, please let me know by leaving any comments below. I'll be here to assist you.

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