Banking web services

I figured this would probably be a better list than any other to ask
this type of question.  What I would like to know is how Money and
Quicken connect directly to my bank account to download transactions. 
I assume they use web services of some kind.  The thing is, I would
like to write some scripts to manage my own finances.  Up to now I
have been screen scraping to do it, but I figure there is probably a
more convenient solution, preferrably one that doesn't break whenever
a company updates its web site.  Does anyone know of a list of the
major banks and how to access their web services?

Thanks,
Carl Youngblood


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