Hi info734,
Error code 103 indicates that your clients have entered invalid credentials.
Some banks provide different connections depending on the type of account. Example: For HSBC, they have a link for commercial, direct, office banking, credit card accounts, etc. It could be that their bank does not provide a link for the type of account your client has. Then, the available one in QuickBooks is for other types that's why they can't sign in.
Alternatively, they can sign in to their account on the website where they normally access their account. Then, they can download their bank transactions into a Web Connect file and upload them to the Banking page. They can do this weekly or twice a month, depending on how many transactions they are processing. You can share the article Mirriam mentioned in her answer.
You can also send this to your clients: Assign, categorise, edit, and add your downloaded banking transactions.
Let us know if you have more questions about online Banking. You can also encourage your client to post in the Community so we can help them.
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