What I really want is some system that lets me just click "Import", and it goes out to my various CC/bank sites and pulls in the data automatically. Or, imports on a schedule 2x/day or something. The thing I want to avoid is having to log in/download/import these files manually from like 7 different sites. I want that because I handle this stuff on a random basis, when I have a few free minutes, and the time it takes to get my records up to date the manual way is about the same amount of time I have overall to do it. And I find reconciling everything on a fixed schedule, say at the end of the month, is much harder than doing it on the fly, because a lot of times I will not remember what a charge was even for if I wait 30 days to process it.