I understand you need to earn money and also what I'm wondering if pricing by year and bank is what its actually about?
Some people might have 1M transactions in single account in one year while others might have 500 transaction spread over 10 banks and 5 years.
And the actual cost isn't the years or the banks but the amount of transactions.

I much prefer to pay 1 cent per transaction and then its perfectly categorized instead of needing to worry about years and banks.

Currently I'd be paying for a deal that gives me 2024/2025 which really is a fully arbitrary/artificial limit that I would say does not relate to your actual cost and in my case doesn't actually help me.

So my suggestion: make a tier that is transaction based, allow for CSV import and focus on making the most perfect categorization ever and you'll only have rave reviews