I like this idea. You shouldn't have to pay to access your own bank data. Looking forward to the near future when banks either have an API or die a slow death.
OFX is the API they use. You need specific credentials that can be found online. If a bank doesn't offer OFX support, you can use the tried-and-true method of web scraping the information out, which is what Quicken does as a last-resort.
