Do you want to do this From a FileMaker Client and with different access privileges?
To do that, hold down the shift (windows) or option ( mac) key while opening the file via FileMaker Pro.
I should clarify. Logging in with an account that has full access rights still will not let you past that first tab. The access error is in regards to the auto login account and not the account currently logged in. You can get past it if you uncheck the "login using" but to add it back afterward, you will still need to make the changes I mentioned and in this case, remember the password for use.
Sounds like the file opened with the account specified in file options instead of the full access account. The method I described would be how you would open the file with the full access account and password while leaving the settings in File Options unchanged.