QuickBooks Online connects to thousands of financial institutions so you can automatically download bank transactions. When you first connect your account QuickBooks downloads the last 90 days of transactions. If QuickBooks Online doesn't connect to your bank yet (or if you need more than 90 days of transactions), you may be able to bring bank transactions into QuickBooks Online if your bank supports certain types of file downloads (QFX, QBO, CSV, and OFX). You can then upload the file into QuickBooks Online. 

Tip: Many banks refer to this feature as WebConnect. If you are outside of the US, they might refer to this as a Bank Transaction Upload.

When should you upload a bank file?

  • Upload bank files if QuickBooks Online doesn't support connections to your bank yet.
  • Upload bank files if you want additional historical transactions, which might be available from your bank's website. QuickBooks Online downloads only the last 90 days of transactions when you first connect an account.

Upload or Import bank transactions:

When you do need to upload a bank file, follow these steps:

  1. Download transactions from your bank's website.

    Note: QuickBooks Online only supports files sizes up to 350 KB (kilobytes). If you're downloading a lot of transactions, you may need to download smaller date ranges.

    • Sign in to your bank's website and follow your bank's online process for downloading your transactions to your computer. You might be able to choose transactions from specific or multiple accounts, or even select a date range for transactions.

      Important: If you're adding historical transactions for a connected account, make sure you specify a date range earlier than the last 90 days. Otherwise, you might upload duplicate transactions.

    • Choose one of the supported file type below. 
      • Quicken (QFX)
      • QuickBooks Online (QBO)
      • Comma-Separated Values (CSV)
      • Microsoft Money (OFX)

      Note: Do not choose a Quicken QIF file.

    • Make note of the file name and the location where you download it.
  2. Go to your Dashboard
  3. Select Banking from the left menu.
  4. Select Banking on the top.
  5. Select the drop down arrow next to Update at the top right. (If no banks connected scroll down and choose Upload transactions manually).
  6. Select File upload.
  7. Select Browse to find and select the file to upload, and then select Open.
  8. Select Next.
  9. Select the account that you want to upload the bank data to, and click Next. If you don't have an account set up yet, click Add New in the drop-down list and add an account.
  10. If you're uploading a CSV file, you're prompted to select columns from the CSV file that match QuickBooks Online banking fields. Click Next when you're done.
  11. Select Let's go! (or Finish, depending on what you see) to return to the Banking page and begin reviewing your bank transactions so that you can accept them into QuickBooks Online.

Notes:

  • If you attempt to upload a file of an unsupported format, you will receive an error message.
  • The maximum file size is 350 KB. To check file size, right click the file and choose Properties; the General tab will list its size.
  • If the oldest transaction in your upload file is dated prior to the opening balance date in the register (or account history) in QuickBooks Online, the opening balance and date will change. This may result in a duplicate opening balance entry.

Common questions about uploading bank files

Which account types can I upload bank transactions for?

  • You can upload checking/chequing, savings, credit card, money market, and line of credit account data to QuickBooks.

What is the difference between automatically downloading transactions and uploading a bank file?

  • Automatically downloading transactions means that QuickBooks takes care of getting the data from your bank and bringing it into QuickBooks. In contrast, uploading a bank file requires that you go to your bank's website, download the bank transactions to your computer in a supported file format, and then manually upload the file to QuickBooks.

You shouldn't need to manually upload a bank file for an account you've connected. If you do, for example, download historical bank data earlier than the last 90 days, be very careful to specify the date range on your bank's website. If you overlap date ranges, you may end up with duplicate transactions, which you will then need to delete or exclude.

If your bank doesn't support automatic downloads to QuickBooks Online, but does support exporting bank data, you'll need to manually upload bank files on a regular basis to get your bank transactions into QuickBooks Online.

After I click Finish in the Bank upload file window, what happens?

  • QuickBooks uploads the bank transactions into the accounts you've selected. When it's done, you're returned to the Bank and Credit Cards transactions page. Add, categorize, or match transactions and accept the transactions.

Troubleshooting WebConnect Errors:

Sometimes when using WebConnect, you'll get an error. We've made a list of what you might see and ways to get back up and running.

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Error: "Please fill out at least one account."

In this case you probably didn't choose a file in the first screen of the mini-interview. Browse for and select the file from the bank that you want to upload.

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Error: "The uploaded file contains invalid transaction amount information."

We can't download transactions with amounts that exceed 11 digits. The transaction will need to be manually entered.

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Error: "An Online Banking update is currently in progress.”

You'll get this error if you try to do a normal automatic update at the same time you're trying a WebConnect upload. If your automatic download options are working, you shouldn't be using WebConnect because you may get errors or duplicate transactions. 

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Error: "We were unable to upload the file. Please start over and re-select the file you want to upload.",
"QuickBooks Online couldn't upload your file. Please click Save again, or try again later."

The first message is usually caused by a timeout during upload. After 2 minutes of trying to upload the file without success, a timeout occurs.

You'll get the second message if the job can't be completed because of a server error or another problem. The solution is the same: to wait a few minutes and then try the upload again.

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Errors with Sub/Parent account download: "You can't upload to an account if it is a parent or a sub account of another account that is already set up for Online Banking."
(Parent Account Error) - The account, [Account Name], has a sub account that is already connected to an account at one of your banks.
(Sub-account Error) - The account, {Account Name], has a parent account that is already connected to an account at one of your banks.

WebConnect won't let you download to a parent/sub account if one of those accounts are already connected to online banking. To set them both up, you'd need to temporarily disconnect the sub/parent account from banking downloads (See Disconnecting an account from the Downloaded Transactions page) and then do the WebConnect download for the other account. Then you can reconnect the account.

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 Error "The uploaded file is of a different type than these account(s):"

You'll get this warning if you're trying to download transactions from one type of account into a different type within our system. An example might be if you're trying to download checking account information into a credit card account. You can click OK and the download will continue.

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If you see any of the following text listed under the bank name, "! Bank Error" during the upload, there is a problem with the file.

  • General error (ERROR)
  • General account error (ERROR)
  • Account not found (ERROR)
  • Account closed (ERROR)
  • Account not authorized (ERROR)
  • Duplicate request (ERROR)
  • Invalid date (ERROR)
  • Invalid date range (ERROR)

None of these scenarios are things we can directly fix, however there are some steps you can try depending on how your bank offers the data on their website. 

  • Try downloading a smaller date range, work from the most current date backwards. 
  • If your bank offers different WebConnect file types, use a different file type than you tried before. 

If none of  these work for you, you will need to contact your bank to get the download file repaired or replaced and also, check the bank's parameters for the file downloads on their website. Hover your mouse over the text "! Bank Error" and you'll see a message with an explanation and the financial institution's contact information.
 

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