Typically .bin files on a Mac were a compressed archive as memory serves, but that particular compression program generally fell out of common use 10 years or so ago.
My first thought is you should try a different FTP program, since that seems to be where the problems start. The good news is that FTP is among the oldest protocols on the Internet, so there's literally scores of FTP clients out there to choose from.
On our Macintosh server Windows Word files are stored and end in .doc. If I FTP into the server from my Vista machine and copy them to my desktop, they become xxxxx.doc.bin.
Help!! I can't open them in Word. Why doesn't it just transfer the file.
If I log onto the server as a user, I don't have the problem. Any thoughts.