I think Cal's statement is correct. I have seen the following...

In the case of JPMorgan Chase, there are two choice when setting up -
the OFX and Yodlee paths. I must to use the Yodlee path as I don't
have a Checking Account with Chase or I can go to their Website and
download (at the moment I forget what they do with the Credit Cards...
My Credit Union offers OFX, but I must log into the Website to download
- they don't have a partnership with either Money or Quicken.

In microsoft.public.money, Dan Russell wrote:

- quote -

The way I think it should work is that the credit union would
coordinate with Microsoft. http://www.microsoft.com/money/fi.mspx

When things are checked, Microsoft will make the change so that when
you set up online access, the direct direct downloads would be set
up.

I have upgraded to M05 and the online update using Yodlee is absolutely
terrible (doubling practically all transactions in Money including accounts
that have nothing to do with the bank that I set up for online banking????).
My question is: I just found out that my Credit Union is going to have
online OFX capability for automatic updates in Quicken and Money soon...will
Money present me with a choice between the credit union OFX updates and/or MS
Money (Yodlee) updates when I re-establish online updates?