Find out who’s authorized to set up bank connection in QuickBooks Online and Self-Employed.
Here are the most common questions we’ve received about authorization during bank connection set up.
Who can set up an Online Banking connection?
Most bank or financial institution allows any bank user to set up the connection of the bank with QuickBooks Online or Self-Employed. However, in some cases, banks only allows the primary user from setting up the bank connection.
The bank may also limit access to third-party applications to ensure your transaction data are safe. QuickBooks Online and Self-Employed are no exception to these restrictions, which is why it requires the primary user to set up the initial connection.
Why do I need to be the primary user to set up my online banking connection?
Due to some banks and financial institutions’ policies, you may encounter restricted access when you try to set up a new connection between QuickBooks Online or QuickBooks Self-Employed and a bank or financial institution.
What bank doesn’t require the primary user to set up online banking?
Most banks allow the secondary or delegate users to set up online banking in QuickBooks Online or Self-Employed. Chase previously only allowed the primary holder to set up direct connect but not anymore.
Chase now allows the primary Chase account holder to authorize users to set up direct connect in QuickBooks Online and Self-Employed. Here’s how primary account holders can add an authorized user:
- Sign in to Chase website.
- Select Account management, then Access and Security Manager.
- Select Edit / Assign access, then for the Authorized User.
- Under Profile-level rights, select Third Party App Access checkbox.
- Select Turn On to establish access for the authorized user.
Once the access is provided to the authorized user, they should be able to set up direct connect in QuickBooks Online and Self-Employed. In case of any questions call 1-855-CHASEPC (1-877-242-7372) or visit the chase website.
Each bank has its own messaging if it doesn’t allow secondary or delegates users from establishing app connections. These message comes from the bank and not us. It may say something like "Your account is not eligible" or that only the primary user can do this task.
At this time, we are aware that Bank of America requires that a primary user set up the connection. There may be other banks that also restrict access for secondary or delegate users when setting up bank connection.
Here's a list of specific messages that we are aware of.
Bank of America
- We're sorry but only the Business Account Owner is eligible to consent to share account data with a Third Party Site.
- We’re sorry, your account is not eligible. Please close your Browser.
What should I do if I run into this restriction?
If you run into this restriction when you set up or update a bank connection in QuickBooks Online or Self-Employed, the best thing to do is have the primary bank user set up the connection.
Why was I able to set up these connections in the past?
Each bank has its own way of classifying different activities which results in different permissions. Some banks may view downloading transactions as an activity that’s only for the primary user, while some may not. The same thing applies when you set up the bank connection in QuickBooks Online or Self-Employed. You may be able to set up the bank connection with some banks as the secondary user but it doesn’t necessarily mean you do so for all the other banks.