Checkpoint Firewall FTP issues - 'quote password' or Account command ('ACCT')

I usually post stuff about Cisco, but recently I got exposure to Checkpoint so I am adding Checkpoint to my library. I am currently working on a 3 part series on "how-to" install virtual Checkpoint Firewalls on a Linux KVM hypervisor. A quick search on Google reveals 0 posts related to this, so mine might be the first "how-to" on this topic. Stay tuned for more Checkpoint related posts in the near future.

Here is my first post on Checkpoint regarding the FTP issue "Wrong username or password". I will try to keep it short!!  

Trying to FTP from command prompt on a windows machine.

 Command line ftp:  
 ftp ###.###.###.###  
 Connected to ###.###.###.### (###.###.###.###).  
 220 Check Point FireWall-1 Secure FTP server running on XXXXXX  
 Name (###.###.###.###:XXXXX): usernamejoe  
 331 password: you can use password@password  
 Password:  
 200 password: you can use 'quote password' or Account command ('ACCT')  
 ftp> pass  
 Passive mode off.  
 ftp> ls  
 421-Access denied - wrong user name or password   
 421 aborted