cannot connect to sql

I am installing a new WordPress site and cannot get a connection to the database. A test of the database, sqltest.php tells me the DB is connected, but I cannot get wp-config.php to work.

If I go into the website: http://www.ibm100tales.com/sqltest.php, it says the db is connected. On the other hand if I click sqltest.php in the file manager, I get the message:
“could not connect to server Client does not support authentication protocol requested by server; consider upgrading MySQL client”

I’ve checked my user name, pw, etc in wp-config.php and all seems to be OK.

Could the DB collate have anything to do with this?

/** The Database Collate type. Don’t change this if in doubt. */
define(‘DB_COLLATE’, ‘utf8_unicode_ci’);