Unfortunately you need to be acredited to be able to get access to banks APIs and in order to get acredited there are certain requirements such as needing to be a legal entity. Alas, no dice for the enthusiasts.
There are other, such as capital, cash flow and licensing requirements.... As far as I can tell.
I was very disappointed when I found this out too. Fail.
There will probably be resellers offering api access to our own data (I think that's the deal with tokens.io) so... classic lobbiest produced walled garden to limit free enterprise and competition.