I periodically download bank csv and convert it (http://hledger.org/MANUAL.html#convert) to the hledger/ledger format (http://hledger.org , http://ledger-cli.org), auto-assigning categories (accounts) based on a rules file that I update as needed (typically one or two new rules per month). At tax reporting time I use hledger to total up each income/expense account for the reporting period, and I plug those numbers into my accountant's tax form generating app. After a few iterations, my chart of accounts has clarified and the process has become pretty routine.