While I would expect we will see every bank releasing APIs sooner or later (http://www.theregister.co.uk/2016/02/10/consumer_trust_central_to_success_of_uk_init

While I would expect we will see every bank releasing APIs sooner or later (http://www.theregister.co.uk/2016/02/10/consumer_trust_central_to_success_of_uk_initiative_on_open_data_in_banking/ http://www.theregister.co.uk/2016/02/10/consumer_trust_centr... shows the UK heading this way already), you may find it easier to work through an aggregator (plaid, yodlee, quovo, etc) initially for consumer-facing experiences. Other commenters point out that some US banks have shared some early APIs, but most are not for public consumption and are limited to "partners". I suspect we'll see some restrictions on API access for a while still while regulators and banks get comfortable with an API approach. Citi has had a Mobile Challenge for a few years with some API test access (http://www.citimobilechallenge.com/ http://www.citimobilechallenge.com/), and the Open Bank Project has a sandbox (https://openbankproject.com/ https://openbankproject.com/) for their version of banking APIs. But for now, unless you want to leverage aggregators, I think you'll need to just keep reaching out to the banks to be included as a "partner" and try to get early access, or wait til they open broadly, and I wouldn't expect to see that til the next few years for most large banks.