Hey, @chrismitiguy. 

Welcome to the Community! I'd be more than happy to provide you with some details about the 103 bank error you're receiving. 

Error 103 usually occurs due to an incorrect username or password for the bank account you're trying to connect to. Here's how to successfully fix the error: 

1. Confirm your sign in info is correct. 
2. Check to see if your bank requires third party access. 
3. Enter your bank sign in info in QuickBooks. 

For further details on how the do these actions, please check out this guide for more details: Fix bank error 103 in QBO. 

Feel free to reach back out if you have any further questions. We're always here to help!