You just described the bank I want. Why oh why we can't have this?

For instance, right now I'm figuring out how to simply query my account balance in a non-interactive way, just to have it displayed on my machine. I basically have two options - try to drive a headless browser through full login process and scrap the main site, or reverse engineer whatever mechanism they have that lets their mobile app show my balance without logging in. Either way, I'm worried the bank will sack my account for breach of TOS, or "attempt at hacking", or some other bullshit.

Really, why can't I just get a token and query some API?