One of my banks is a small credit union. They do not see the value in providing a downloadable qfx file for transactions. They do provide a downloadable csv file for transactions. How about a tool that will allow me to import transactions from a csv file. It shouldn't be that complicated to develop a column mapping tool to make it possible and you would have the gratitude for all who patronize a small financial institution.
I can accept no automatic downloads, but I do not want to spend the time to manually enter the data and ProperConvert is getting too expensive for my small needs.