Hi croziercrew
Thank you for your post. May I extend a warm welcome to the MYOB Community Forum.
If you are downloading a bank file, I suggest checking if you have set up electronic payments properly. If you're still receiving this error, it would be better if you attach a screenshot of the full error message showing so I can check further.
Please feel free to post again. I'm happy to assist further.
If my response has answered your enquiry please click "Accept as Solution" to assist other users in finding this information.