The easiest way is to have your own bank account that supports downloading. But you are right; it is surprisingly hard to find any of the simplest cases online.
I dug this article from IBM developerWorks , which includes a quick sample. This is when parsing x with php and useful shows the difference between the well-formed XML version ofx and the version of the original tag, which you often find when downloading from different banks, but even this sample is only one output and one deposit.
ruffin
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