I had this problem following following a rebuild and re-installation of MS Money 2004. After a bit of trial and error I found that, after re-installation, in a little while a window appeared advising me to wait for a download as my back up files would not be readable. This is an automatic download and appears after five or ten minutes. Give it a try. As an add on, I'm not familiar with Banktrees, but I moved to Money Manager Ex from Code Lathe (www.codelathe.com/mmex) primarily as I now use Linux. This a free, very comprehensive financial manager and also runs under Windows. Have look.