I'm somewhat amused that you don't have time to spend five minutes once a month 
downloading CSV files but you have the many, many hours required to 
investigate, implement, and write about your alternative that saves five 
minutes a month :)

Your approach won't work with any institution that has 2FA and I can't imagine 
not having 2FA on my financial accounts.

Also, having spent many years dealing with substantial Selenium test suites, 
they are extremely brittle and required a surprising amount of ongoing 
maintenance. Failures due to timeouts from some DOM element taking too long to 
arrive, changes in the DOM breaking everything, etc. For a small personal 
project those may not be as frustrating as they were for a commercial software 
effort, though.

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