OFX is great. I mean, it's not great if you have to implement it, but if you just want to use it (ie, with Quicken or GNUCash or some other piece of software),

OFX is great. I mean, it's not great if you have to implement it, but if you just want to use it (ie, with Quicken or GNUCash or some other piece of software), it Just Works™. The only problem with it is that not all banks support it, and when they do, many charge prohibitive fees for it. Security shouldn't be a premium feature.