The online banking CRUD interface might have up-to-date data, but it isn't an API, and being behind some weird proprietary single-sign-on setup makes it pretty hard to scrape, too.
> Also, your bank allows you to log in with just a username/password ?
Yes, this is common in the US (and here in Canada, too.) We sometimes get asked for "security questions", but support for 2FA is extremely rare, and I don't think there's any bank in North America that requires 2FA to login to your online banking. (The "government or bank issues you a smart card that can be used for session encryption; bank issues you an adapter to plug it into your computer" thing doesn't happen here.)