+1 for Credit Agricole on-line.
It usually works a treat although at the end of last year they changed the download format for OFX and they put the transaction type in the creditor field which is annoying - hopefully it'll be sorted soon.
I'm not sure I'd want an "online only" account in France. It's difficult enough to sort stuff out when staff are supposed to help; I can't imagine you'll get anything useful once they see this all inclusive get-out.
"Yes Sir, it is sad that some nasty hackers have stolen your last cent and that the restaurant cut up you card and made you wash the dishes. It's a horrible situation for you and you poor wife to eat your own legs, but unhappily you have an online only account so you must email them again. Sorry."