Has anybody experienced this? I can enter any password and it still downloads my bank info.
Where are you entering this password?
Express Web Connect and Express Web Connect + don't require your password. Maybe it is prompting you because you have Direct Connect accounts (but they aren't selected for download) or you have Sync to Mobile/Web on. I have seen Sync to Mobile/Web prompt for a password and still do it even if you cancel out of the password prompt.