A long yellow bar suggests you have CM93 charts
not the NOAA charts. If you click the yellow bar you should see the CM93 charts. You do not have to change the directories to switch back and forth between raster and vector. You only have to click the blue, green or yellow bars at the bottom just above the text line at the very bottom.
Your charts have to be in a directory (or subdirectory) listed in the Options->Charts->Chart Files. You can list all your chart directories there and they will all be found.
Do you have any directories showing in the Options->Charts->Chart Groups?