Well, it looks like CBORD has taken a big step here... they are going out on a limb and offering SECURE FTP for file transfers, OMG!
CBORD now offering Secure FTP
I know, I know... it's a risky endeavor but someone had to take the lead and offer this service to their customers. After all, it's 2012 and we need to start thinking about the future. No more of this waiting around for integral services to be vetted by the rest of the software development communities. They are taking the bull by the horns and rolling out this service as quick as possible.