"Set up Password Vault" is greyed out

Just upgraded from Cash Manager 2016 to new "starter" subscription. Have never used the password vault feature (that I am aware of) but when I go to <tools> the option to set up a vault is greyed out already. It asks me for a password but I do not have a vault so no password. Or is my previous banking info for downloading transactions actually stored in a previous vault that I don;t know about? If I reset the vault, will I be able to download all my banking transactions as before or will I need to populate the vault with bank passwords etc first?

In other words, is the vault a MANDATORY and functional part of downloading transactions, or is it just for convenience of storing passwords safely?

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