Quick answer

A QuickBooks Self-Employed bank connection problem usually means the bank retired your old connection, so new transactions stop downloading. Reconnect the account from Bank accounts instead of deleting it, hide any duplicate connection to the same account, and exclude the transactions that downloaded twice. For older or unsupported accounts, add transactions manually or import a CSV file from your bank.

What bank connection problems look like in QuickBooks Self-Employed

Bank feeds in QuickBooks Self-Employed depend on a connection between Intuit and your bank, and banks change it regularly. When a bank upgrades its sign-in flow or data feed, Intuit has to reauthorize the link. Until you reconnect, the account still appears in QuickBooks, but no new transactions arrive.

The most common message is error 390: "Your Bank is making a change. Until you upgrade your bank connection, your transactions will stop automatically flowing into QuickBooks. To upgrade your connection, you will need to reconnect your account. (390)" Reconnecting also fixes most cases where a feed simply goes quiet with no message at all.

Other connection problems look different on screen:

  • The same bank or card is listed twice in Bank accounts, and every transaction arrives twice.
  • New charges and deposits are missing while older history looks fine.
  • QuickBooks asks you to sign in to the bank again every few days.
  • Error 324 appears, which means QuickBooks Self-Employed cannot find the account when it signs in to your bank's website.

Product note. Intuit renamed QuickBooks Self-Employed to QuickBooks Solopreneur. Existing Self-Employed subscribers still sign in to the same app, so the labels below match what you see on screen. New accounts are created in QuickBooks Solopreneur, which is built on QuickBooks Online; the QuickBooks Online bank feed guide covers where those menus differ.

Common causes, ranked by how often they occur

  1. The bank changed its connection. New sign-in screens, multi-factor prompts or a new data provider all force Intuit to reauthorize the link, which produces error 390.
  2. Two connections to the same account. The account was connected again without hiding the first connection, so both feeds download the same activity.
  3. Duplicates created by a reconnect. A fresh connection can download transactions you already have. The repeats just need to be excluded.
  4. The transaction is still pending at the bank. A card authorization can sit as pending for several days. QuickBooks Self-Employed records the posted transaction, so the charge appears only after the bank settles it.
  5. The transaction is older than the first download window. On first connect, QuickBooks Self-Employed downloads roughly 30 to 90 days of history, and in some cases up to a year. Anything older was never downloaded.
  6. The bank or account is not supported. Intuit works with thousands of banks, but not every credit union or card issuer can connect. Error 324 means the account cannot be found at the bank, often because it was closed or moved.
  7. Bank-side security changes or mergers. A password change or a bank merger can break the link until you sign in again at the bank's website.

Before you change anything

Never delete the bank connection to "start fresh." In QuickBooks Self-Employed, deleting a connection also deletes that account's transaction history permanently. Reconnecting adds a working feed; it does not remove the old one, so you always keep a way back. If a connection was already deleted, restore what you can from bank statements using the manual and CSV import steps below.

Gather three things first: your bank sign-in details, the oldest transaction date in each affected account, and about 15 minutes. If you normally use the phone app, reconnect in a browser when you can; the bank sign-in step is easier on a larger screen.

How to fix QuickBooks Self-Employed bank connection problems

1

Identify which problem you have

Read the exact message first. Error 390 means the connection needs to be upgraded by reconnecting. Error 324 means QuickBooks cannot find the account at the bank, so confirm the account is still open on the bank's website. Duplicate transactions with no error usually mean two live connections or a recent reconnect.

2

Reconnect the bank account in a browser

Select the Settings gear icon, choose Bank accounts, then select Connect another account. In the search box, enter the bank's name and the account type — a business checking account and a personal card at the same bank are listed as separate choices. Follow the on-screen instructions, sign in at your bank, and approve the connection.

QuickBooks Self-Employed downloads recent transactions automatically after approval. On a phone, tap the Accounts area on the dashboard, tap +, and search there. For first-time setup, see the QuickBooks Self-Employed setup guide.

3

Hide a duplicate connection instead of deleting it

Open Bank accounts and check whether the same account is connected more than once. If it is, turn the toggle OFF in the Show account column for the extra connection. Hiding stops QuickBooks from downloading new transactions from that feed while keeping its history. Deleting either connection removes the history for that feed, which is why the toggle is the safer choice.

On mobile, the same toggle is under the profile icon, then Settings, then Bank accounts.

4

Exclude the duplicate transactions a reconnect created

Reconnecting often pulls in activity you already categorized. In the Transactions menu, find the duplicate and select Exclude. Excluding keeps the record visible but leaves it out of your income, expenses and tax totals. In QuickBooks Solopreneur the same option sits on the Bank transactions page.

If you added a transaction by hand and the bank later downloaded the same one, delete the manual copy instead. The downloaded transaction is the one that matches your statement.

5

Add a missing transaction manually

Open Transactions and select Add Transaction. Enter the amount and a description, choose the best category, attach a receipt if you have one, and select Save. On iOS or Android, tap the + icon and choose Add income manually or Add expense manually.

Use manual entry for cash purchases or accounts Intuit cannot connect. If a charge is still pending at your bank, wait for it to post; entering it now creates a second copy when the posted version downloads.

6

Import older transactions from a bank CSV file

Missing transactions that predate your first download are not lost. Find the oldest transaction already in the account: open Transactions, set the account filter, set the date filter to All, and sort by the date column. Then download a CSV file from your bank that starts at least one day before that oldest transaction. A standard CSV export is enough; your bank does not need QuickBooks-specific instructions.

In QuickBooks Self-Employed, open Settings, select Imports, and choose Import older transactions for the account. Select Browse, pick the CSV, and confirm that its Date, Description and Amount columns match the QuickBooks columns and order. Select Continue to finish. Transactions can be added as far back as January 1, 2014.

7

Check the import for duplicates, then categorize

After the import, sort the account by date and look a few days before and after the oldest date you noted. Delete any duplicates the import created, then categorize every new transaction as Business or Personal. This step puts the transactions into your reports and tax estimates, so follow the categories and tax tags guide when you review them.

8

Handle an unsupported bank or error 324

If the bank never appears in the search box, search by its website address instead of its name. Some smaller banks and card issuers can only be handled manually. Error 324 means QuickBooks cannot find the account when it signs in, often because it was closed or replaced, and Intuit's guidance is to contact support to check the bank's side of the connection.

While that is sorted out, keep the books current with manual entry and CSV imports. If your bank cannot connect at all, moving to QuickBooks Solopreneur or QuickBooks Online gives you a wider set of connection options.

Verify the connection is healthy

  1. Open Bank accounts and confirm each account appears once with its toggle ON.
  2. Open Transactions, set the date filter to the last seven days, and confirm today's or yesterday's activity is present.
  3. Sign out and back in. New transactions download when you sign in, so a fresh session is a useful test.
  4. Sort the account by date and confirm no transaction is listed twice.
  5. Run the profit and loss report or open the tax summary and confirm the corrected totals look right.

If the connection keeps breaking

Reconnect once more, then watch for a pattern. If the feed breaks every time your bank updates its app or after every password change, the bank is retiring old connections rather than your setup being wrong. If error 324 returns, the account itself is the problem — a closed card or a merged account — and Intuit support needs to confirm that with the bank. A feed that goes quiet with no error is often a bank-side outage that clears within a day or two.

Two situations justify changing products rather than reconnecting again: your bank is not supported at all, or repeated reconnects fail while the bank's own website works fine. In both cases, review your migration options. For sign-in, subscription or app problems, see the QuickBooks Self-Employed errors guide.

Prevention

  • Reconnect as soon as the 390 message appears. Waiting only widens the gap of missing transactions.
  • Keep exactly one connection per account, and hide the extra connection rather than deleting it.
  • Review the Transactions list once a week so a broken feed is obvious within days, not at tax time.
  • After every bank password change, check Bank accounts the same day.
  • Import older history as soon as you open a new account, before the transaction count grows.

Frequently asked questions

Can I just delete and re-add my bank connection?

No. Deleting a connection in QuickBooks Self-Employed deletes that account's transaction history permanently. Reconnect through Connect another account and hide the older duplicate connection if one exists.

Why did my transactions stop after I reconnected?

A new connection downloads recent activity, not everything. Check the date filter first, then look at your bank statement: if the missing item is still pending, it will arrive once it posts. If it is older than your first download window, import it from a bank CSV file as described in step 6.

Why do I see two of every transaction?

The account is probably connected twice. Open Bank accounts and hide the extra connection with the toggle, then exclude the duplicate transactions it already downloaded. If you also entered some of them manually, delete those manual copies instead.

What does error 390 mean in QuickBooks Self-Employed?

The bank changed how it shares data, and Intuit needs a new authorization. Reconnect the account from Bank accounts. Do not delete the connection to force a refresh — that removes your transaction history, while reconnecting preserves it.

Does QuickBooks Self-Employed work with every bank?

No. Intuit supports thousands of banks and card issuers, but not all of them. Search by the bank's website address if the name does not appear, and use manual entry or CSV imports for the rest. If you get error 324, contact Intuit support so they can check the account on the bank's side.

Sources & further reading