Cant create a bank file for bill payment: "Something you're trying to use has been made inactive. Check the fields with accounts, customers, items, vendors or employees"

Can't create a bank file for a bill payment.  Paid manually via internet banking, but can't send a remittance.  Nor can I create a pdf remittance to send manually.

Error message is {"message":"Something you're trying to use has been made inactive. Check the fields with accounts, customers, items, vendors or employees.","code":-20400}