Surely your hosting provider has client forums and help files and stuff? I signed up with a new host last week and my user control panel has so many links to so many utilities that I haven't fully explored them all yet

Amongst it all, though, was SQL help and a successful install of phpbank is all about getting the config file settings to match your SQL database settings.
So, in the absence of better advice, ask your hosting service provider about your SQL database settings. They have a vested interest in making it user-friendly.

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