The error 185 usually comes up when the account you’re trying to connect has an added security requirement aside from your user ID and password. You can check this article for complete details:

https://community.intuit.com/articles/1207728-banking-error-185

Resolution for 'added security issue: 'I cannot connect my bank account and it says error 185 multi-factor authentication required. I have updated it manually and it just freezes when trying to connect.' available: Yes.

The added security issue or error code is a known issue in Quickbooks Online (QBO) and/or Quickbooks. Support for this issue is available either by self-service or paid support options. Experts are available to resolve your Quickbooks issue to ensure minimal downtime and continue running your business. First try to resolve the added security issue yourself by looking for a resolution described in the article. If it is a complex added security issue or you are unable to solve the issue, you may contact us by clicking here or by using other added security support options.

For more information about resolving issues related to added security in Quickbooks/QBO or to get support for the issue 'I cannot connect my bank account and it says error 185 multi-factor authentication required. I have updated it manually and it just freezes when trying to connect.', click the link below: