# QuickBooks Error 108: Action Needed at Your Bank - Author: SimpleBankConvert (https://simplebankconvert.com) - Published: 2026-10-17 - Category: Import errors - Canonical: https://simplebankconvert.com/blog/quickbooks-error-108 > QuickBooks error 108 means your bank needs you to do something on its website first, such as accept terms, before the QuickBooks feed can update. QuickBooks error 108 means your bank has a message waiting for you on its own website, such as new terms to accept or a maintenance notice. Until you deal with it, the bank holds back the QuickBooks feed. Sign in to the bank's site with the login the connection uses, clear every message, then update the feed. ## What QuickBooks error 108 asks you to do at your bank Error 108 is the bank's way of saying "come and see us first". Intuit's article on [fixing bank error 108](https://quickbooks.intuit.com/learn-support/en-us/help-article/bank-connectivity/fix-bank-error-108/L0veSKo1x_US_en_US) explains that your bank or card company has a message for you on its website, and that this message can block the connection to QuickBooks. So the fix is not inside QuickBooks. Disconnecting the account, clearing the browser or re-entering the password in QuickBooks will not help while the message sits unread at the bank. The bank is waiting for a click from you, and the feed stays paused until it gets one. ## Which bank website messages hold up the error 108 feed? Intuit's article names three kinds of message: new terms of service, maintenance announcements and new offers from the bank. Any of them can carry a button you must press, such as Accept, Continue or Not now, before the bank treats your account as ready for outside apps again. Once you are signed in, look for all of these, because banks put them in different places: 1. A full-screen notice that appears right after sign-in. 2. A banner at the top of the account summary. 3. A secure message inbox, often with an unread count. 4. A request to confirm or update your contact details. 5. A prompt to agree to an updated online banking agreement. 6. A product offer with a dismiss option. Work through each one until the bank lets you reach the account summary without anything in the way. An offer you ignore can be enough to keep the block in place, so dismiss it properly rather than closing the tab. ## Signing in with the login the error 108 connection uses The message lives on one particular login, so check the right one. Intuit's article says to use the same login you used to connect the account to QuickBooks. A business with two people who each have their own bank sign-in can clear every notice on one profile while the feed's profile still has its message waiting. If you do not know whose login powers the feed, ask whoever set up the bank connection in QuickBooks. That is often a bookkeeper or the owner who opened the account. ### A worked example: a bank that merged Suppose an example business banks with a credit union that merged into a larger bank in March. After the merger, the old sign-in stops working and QuickBooks starts showing 108. Intuit's article covers this case: get the new login details from the bank, disconnect the account in QuickBooks, then connect it again with the new credentials. Note the date of the last line that came in before the merger, because the reconnected feed may not reach back to it. ## Refreshing the bank feed once error 108 is cleared After the bank's messages are gone, tell QuickBooks to try again. Intuit's article says to go to Bank transactions under Accounting in QuickBooks Online and select Update. A clean update pulls in whatever the bank released while the feed was paused, and the error should clear from the account tile. Give it a few minutes. If the account still shows 108, sign out of the bank's site, sign back in with the same login, and check whether a new notice has appeared. Some banks show one message, then another after you accept the first. ## Why does error 108 stay after the bank messages are gone? A 108 that survives a clean bank sign-in usually means a message you cannot see. Intuit's article suggests contacting the bank to ask about messages you may have missed, and then signing in to QuickBooks in an incognito or private browser window. The bank's support team can see notices that its website does not show you. While you wait, the books do not have to stop. Download a file of the missing days from the bank's site and upload it to the same account in QuickBooks Online. Two problems trip people up here. A QBO file made from a PDF statement can be refused for its bank ID or account type, which the guide to a [converted QBO file rejected by QuickBooks](/blog/converted-qbo-file-rejected-by-quickbooks) explains. And a CSV with a broken header row or an empty amount column can upload with nothing in it, the subject of [no transactions found in the file in QuickBooks Online](/blog/no-transactions-found-in-file-quickbooks-online). When the feed comes back, compare the first new lines with what you uploaded, so you exclude any day you already have. If you also keep a set of books in Xero for the same bank account and fill a gap there by file, the import works differently. A file you import into Xero becomes statement lines waiting to be reconciled, not finished transactions, as the post on [Xero statement lines vs account transactions](/blog/xero-statement-lines-vs-account-transactions) explains. SimpleBankConvert is being built to turn a PDF bank statement into an upload file for QuickBooks or Xero, and the [get started page](/get-started) takes your email until accounts open.