Downloads may be in Quicken, Money, or several other formats. Transfers can be either one-time, or on a recurring basis. Another option, accessible though a button on the banner at the top of the page, is a Payments option. This lets you make electronic payments through funds transfers. It is not recommended for paying taxes, since the payment would arrive without your tax return.
Payments can be either on a one-time basis, or recurring.
A User Services button lets you manage your account. A Messages button lets you send a message to the bank s staff. These are secure messages and are only viewable from within the encrypted web site. I have always received prompt, courteous replies to messages I have sent. Those programs are far more powerful and store more info.