Banks typically allow for Quicken, MS Money, and CSV file format downloads.
I use Quicken myself, and while it took a while to get everything set up, I enjoy the flexibility of the reports I can generate. The hardest parts are tracking cash and remembering what the transaction was in order to choose which transaction category to put it in (eg: Entertainment, Meals, Auto:Fuel, etc). The accuracy of the reports typically depends on these categories (unless going by who the charge was).
I've never use MS Money or any of the other packages, so I can't compare.
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