[codegeek]

I would do a few things:

- Ensure it is read only (hopefully).

- I would build my own interface to see the transactions. I absolutely hate most banks's default interface to show transactions. I would group them, categorize them etc (yea I know mint exists but we are talking direct APIs)

- I would setup auto notification on certain types of transactions or amount size of transaction. Some banks have alerts but very limited and mostly on amounts. Not on types.

- I would create budgeting notifications based on transactions. E.g. You just spent $500 on Dunkin Donuts this month already. Stop being crazy.

[eaplant]

Read only makes sense. I imagine you would have to go into your settings to enable the API in the first place. The scariest thing for me about the current banking system is that my account + routing number acts like a key that can remove money from my checking account.

I totally agree that most banks have terrible UIs. I think the opensource community could do a much better job. I hadn't thought of notifications but I think it would be great.