Can AceMoney open QIF or OFX files directly from the web site without downloading and importing manually?

Yes, it can! First try to launch AceMoneyImporter.exe located in C:\Program Files (x86)\AceMoney. By default it does nothing, but it will try to register itself with .qif and .ofx file types. If you already have any other accounting software installed on your computer then AceMoneyImporter will not change the existing file associations and you would have to change these associations manually.

In order to do that you need to open Windows Explorer, go to Tools->Folder Options, find there QIF extension and highlight it. If text at the bottom of the dialog says "Opens with AceMoneyImporter" then you are all set, just make sure that OFX, OFC and QFX files are also associated with AceMoneyImporter.exe.

To change current file association, highlight it, click at the Change button, Browse button and select C:\Program Files\AceMoney (x86)\AceMoneyImporter.exe.

Once AceMoneyImporter is associated with all the supported file types (QIF, OFX, OFC, QFX), go to your bank web site, login and navigate to a page with a link to the file. Click at the file and select Open instead of Download. If AceMoney is not running, it will be launched, then it will immediately display import dialog.