Are there several different Bank feeds?

Yes they come from several areas.

Do the accounting software solutions all charge a fee to use them?

MYOB Live Accounts and XERO offer unlimited bank feeds. SAASU’s pricing is dependent on the number of bank feeds.

Bank feeds will only work in cloud programs?

Yes the solution needs to be in the clouds for the bank feed to work, but perhaps that is something for future developments, like an email automatically comes into your in-box??

If you have a PC based program you can typically manually import bank statement transactions.