OFX is the standard file format banks use to export account history. Created in 1997 by Microsoft, Intuit, and CheckFree, it carries transactions, balances, and account metadata in XML. Quicken, GnuCash, Tiller, Money in Excel, and most personal-finance apps import OFX directly.
How to open
Quicken, GnuCash, Moneydance, Tiller, most accounting software. Plain-text editors can view the XML structure.