I am obviously just such a low roller that I can't even imagine downloading a spreadsheet of recent transactions from my bank's website being a genuine pain point.
My bank makes me download or at least electronically acknowledge (through a button in the online banking) the bank statements it generates every few weeks. If those go unchecked for too long they're sent to me in the post, charging me for it.
As ridiculous as that seems I am completely unsurprised that your bank extracts near-random charges while playing with your money. I can't see how tools like this solve that problem, though...