Hi GJB,
Thank you for your post. First, I'd like to welcome you to the Community forum.
Regarding your concern about what product you should be using since you're receiving Premier monthly charges but have an AccountRight Standard from the product version (Help >> About MYOB AccountRight Standard), I'll send you a private message so I can gather some necessary information to verify the account.
Additionally, you may also look through our Help article, Compare the Features of the New AccountRight, for further information about each product.
And I would like to take this opportunity to thank gavin12345 for providing assistance.
Cheers,
Princess