diff --git a/banking.go b/banking.go
index 0778e46..2c4a5d3 100644
--- a/banking.go
+++ b/banking.go
@@ -5,15 +5,6 @@ import (
 	"github.com/golang/go/src/encoding/xml"
 )
 
-type BankAcct struct {
-	XMLName  xml.Name // BANKACCTTO or BANKACCTFROM
-	BankId   String   `xml:"BANKID"`
-	BranchId String   `xml:"BRANCHID,omitempty"` // Unused in USA
-	AcctId   String   `xml:"ACCTID"`
-	AcctType String   `xml:"ACCTTYPE"`          // One of CHECKING, SAVINGS, MONEYMRKT, CREDITLINE, CD
-	AcctKey  String   `xml:"ACCTKEY,omitempty"` // Unused in USA
-}
-
 type StatementRequest struct {
 	XMLName          xml.Name `xml:"STMTTRNRQ"`
 	TrnUID           UID      `xml:"TRNUID"`
diff --git a/common.go b/common.go
new file mode 100644
index 0000000..7849bd1
--- /dev/null
+++ b/common.go
@@ -0,0 +1,27 @@
+package ofxgo
+
+import (
+	"github.com/golang/go/src/encoding/xml"
+)
+
+// Represents a top-level OFX message set (i.e. BANKMSGSRSV1)
+type Message interface {
+	Name() string         // The name of the OFX element this set represents
+	Valid() (bool, error) // Called before a Message is marshaled and after
+	// it's unmarshaled to ensure the request or response is valid
+}
+
+type BankAcct struct {
+	XMLName  xml.Name // BANKACCTTO or BANKACCTFROM
+	BankId   String   `xml:"BANKID"`
+	BranchId String   `xml:"BRANCHID,omitempty"` // Unused in USA
+	AcctId   String   `xml:"ACCTID"`
+	AcctType String   `xml:"ACCTTYPE"`          // One of CHECKING, SAVINGS, MONEYMRKT, CREDITLINE, CD
+	AcctKey  String   `xml:"ACCTKEY,omitempty"` // Unused in USA
+}
+
+type CCAcct struct {
+	XMLName xml.Name // CCACCTTO or CCACCTFROM
+	AcctId  String   `xml:"ACCTID"`
+	AcctKey String   `xml:"ACCTKEY,omitempty"` // Unused in USA
+}
diff --git a/request.go b/request.go
new file mode 100644
index 0000000..c8ffc7e
--- /dev/null
+++ b/request.go
@@ -0,0 +1,121 @@
+package ofxgo
+
+import (
+	"bytes"
+	"errors"
+	"github.com/golang/go/src/encoding/xml"
+)
+
+type Request struct {
+	URL     string
+	Version string        // OFX version string, overwritten in Client.Request()
+	Signon  SignonRequest //<SIGNONMSGSETV1>
+	Signup  []Message     //<SIGNUPMSGSETV1>
+	Banking []Message     //<BANKMSGSETV1>
+	//<CREDITCARDMSGSETV1>
+	//<LOANMSGSETV1>
+	//<INVSTMTMSGSETV1>
+	//<INTERXFERMSGSETV1>
+	//<WIREXFERMSGSETV1>
+	//<BILLPAYMSGSETV1>
+	//<EMAILMSGSETV1>
+	//<SECLISTMSGSETV1>
+	//<PRESDIRMSGSETV1>
+	//<PRESDLVMSGSETV1>
+	Profile []Message //<PROFMSGSETV1>
+	//<IMAGEMSGSETV1>
+
+	indent bool // Whether to indent the marshaled XML
+}
+
+func marshalMessageSet(e *xml.Encoder, requests []Message, setname string) error {
+	if len(requests) > 0 {
+		messageSetElement := xml.StartElement{Name: xml.Name{Local: setname}}
+		if err := e.EncodeToken(messageSetElement); err != nil {
+			return err
+		}
+
+		for _, request := range requests {
+			if ok, err := request.Valid(); !ok {
+				return err
+			}
+			if err := e.Encode(request); err != nil {
+				return err
+			}
+		}
+
+		if err := e.EncodeToken(messageSetElement.End()); err != nil {
+			return err
+		}
+	}
+	return nil
+}
+
+func (oq *Request) Marshal() (*bytes.Buffer, error) {
+	var b bytes.Buffer
+
+	// Write the header appropriate to our version
+	switch oq.Version {
+	case "102", "103", "151", "160":
+		b.WriteString(`OFXHEADER:100
+DATA:OFXSGML
+VERSION:` + oq.Version + `
+SECURITY:NONE
+ENCODING:USASCII
+CHARSET:1252
+COMPRESSION:NONE
+OLDFILEUID:NONE
+NEWFILEUID:NONE
+
+`)
+	case "200", "201", "202", "203", "210", "211", "220":
+		b.WriteString(`<?xml version="1.0" encoding="UTF-8" standalone="no"?>` + "\n")
+		b.WriteString(`<?OFX OFXHEADER="200" VERSION="` + oq.Version + `" SECURITY="NONE" OLDFILEUID="NONE" NEWFILEUID="NONE"?>` + "\n")
+	default:
+		return nil, errors.New(oq.Version + " is not a valid OFX version string")
+	}
+
+	encoder := xml.NewEncoder(&b)
+	if oq.indent {
+		encoder.Indent("", "    ")
+	}
+
+	ofxElement := xml.StartElement{Name: xml.Name{Local: "OFX"}}
+
+	if err := encoder.EncodeToken(ofxElement); err != nil {
+		return nil, err
+	}
+
+	if ok, err := oq.Signon.Valid(); !ok {
+		return nil, err
+	}
+	signonMsgSet := xml.StartElement{Name: xml.Name{Local: "SIGNONMSGSRQV1"}}
+	if err := encoder.EncodeToken(signonMsgSet); err != nil {
+		return nil, err
+	}
+	if err := encoder.Encode(&oq.Signon); err != nil {
+		return nil, err
+	}
+	if err := encoder.EncodeToken(signonMsgSet.End()); err != nil {
+		return nil, err
+	}
+
+	if err := marshalMessageSet(encoder, oq.Signup, "SIGNUPMSGSRQV1"); err != nil {
+		return nil, err
+	}
+	if err := marshalMessageSet(encoder, oq.Banking, "BANKMSGSRQV1"); err != nil {
+		return nil, err
+	}
+	if err := marshalMessageSet(encoder, oq.Profile, "PROFMSGSRQV1"); err != nil {
+		return nil, err
+	}
+
+	if err := encoder.EncodeToken(ofxElement.End()); err != nil {
+		return nil, err
+	}
+
+	if err := encoder.Flush(); err != nil {
+		return nil, err
+	}
+	return &b, nil
+}
diff --git a/ofx.go b/response.go
similarity index 70%
rename from ofx.go
rename to response.go
index 8793577..50cb71e 100644
--- a/ofx.go
+++ b/response.go
@@ -9,125 +9,6 @@ import (
 	"strings"
 )
 
-type Message interface {
-	Name() string
-	Valid() (bool, error)
-}
-
-type Request struct {
-	URL     string
-	Version string        // OFX version string, overwritten in Client.Request()
-	Signon  SignonRequest //<SIGNONMSGSETV1>
-	Signup  []Message     //<SIGNUPMSGSETV1>
-	Banking []Message     //<BANKMSGSETV1>
-	//<CREDITCARDMSGSETV1>
-	//<LOANMSGSETV1>
-	//<INVSTMTMSGSETV1>
-	//<INTERXFERMSGSETV1>
-	//<WIREXFERMSGSETV1>
-	//<BILLPAYMSGSETV1>
-	//<EMAILMSGSETV1>
-	//<SECLISTMSGSETV1>
-	//<PRESDIRMSGSETV1>
-	//<PRESDLVMSGSETV1>
-	Profile []Message //<PROFMSGSETV1>
-	//<IMAGEMSGSETV1>
-
-	indent bool // Whether to indent the marshaled XML
-}
-
-func marshalMessageSet(e *xml.Encoder, requests []Message, setname string) error {
-	if len(requests) > 0 {
-		messageSetElement := xml.StartElement{Name: xml.Name{Local: setname}}
-		if err := e.EncodeToken(messageSetElement); err != nil {
-			return err
-		}
-
-		for _, request := range requests {
-			if ok, err := request.Valid(); !ok {
-				return err
-			}
-			if err := e.Encode(request); err != nil {
-				return err
-			}
-		}
-
-		if err := e.EncodeToken(messageSetElement.End()); err != nil {
-			return err
-		}
-	}
-	return nil
-}
-
-func (oq *Request) Marshal() (*bytes.Buffer, error) {
-	var b bytes.Buffer
-
-	// Write the header appropriate to our version
-	switch oq.Version {
-	case "102", "103", "151", "160":
-		b.WriteString(`OFXHEADER:100
-DATA:OFXSGML
-VERSION:` + oq.Version + `
-SECURITY:NONE
-ENCODING:USASCII
-CHARSET:1252
-COMPRESSION:NONE
-OLDFILEUID:NONE
-NEWFILEUID:NONE
-
-`)
-	case "200", "201", "202", "203", "210", "211", "220":
-		b.WriteString(`<?xml version="1.0" encoding="UTF-8" standalone="no"?>` + "\n")
-		b.WriteString(`<?OFX OFXHEADER="200" VERSION="` + oq.Version + `" SECURITY="NONE" OLDFILEUID="NONE" NEWFILEUID="NONE"?>` + "\n")
-	default:
-		return nil, errors.New(oq.Version + " is not a valid OFX version string")
-	}
-
-	encoder := xml.NewEncoder(&b)
-	if oq.indent {
-		encoder.Indent("", "    ")
-	}
-
-	ofxElement := xml.StartElement{Name: xml.Name{Local: "OFX"}}
-
-	if err := encoder.EncodeToken(ofxElement); err != nil {
-		return nil, err
-	}
-
-	if ok, err := oq.Signon.Valid(); !ok {
-		return nil, err
-	}
-	signonMsgSet := xml.StartElement{Name: xml.Name{Local: "SIGNONMSGSRQV1"}}
-	if err := encoder.EncodeToken(signonMsgSet); err != nil {
-		return nil, err
-	}
-	if err := encoder.Encode(&oq.Signon); err != nil {
-		return nil, err
-	}
-	if err := encoder.EncodeToken(signonMsgSet.End()); err != nil {
-		return nil, err
-	}
-
-	if err := marshalMessageSet(encoder, oq.Signup, "SIGNUPMSGSRQV1"); err != nil {
-		return nil, err
-	}
-	if err := marshalMessageSet(encoder, oq.Banking, "BANKMSGSRQV1"); err != nil {
-		return nil, err
-	}
-	if err := marshalMessageSet(encoder, oq.Profile, "PROFMSGSRQV1"); err != nil {
-		return nil, err
-	}
-
-	if err := encoder.EncodeToken(ofxElement.End()); err != nil {
-		return nil, err
-	}
-
-	if err := encoder.Flush(); err != nil {
-		return nil, err
-	}
-	return &b, nil
-}
-
 type Response struct {
 	Version string         // String for OFX header, defaults to 203
 	Signon  SignonResponse //<SIGNONMSGSETV1>
@@ -208,22 +89,6 @@ func (or *Response) readSGMLHeaders(r *bufio.Reader) error {
 	return nil
 }
 
-func nextNonWhitespaceToken(decoder *xml.Decoder) (xml.Token, error) {
-	for {
-		tok, err := decoder.Token()
-		if err != nil {
-			return nil, err
-		} else if chars, ok := tok.(xml.CharData); ok {
-			strippedBytes := bytes.TrimSpace(chars)
-			if len(strippedBytes) != 0 {
-				return tok, nil
-			}
-		} else {
-			return tok, nil
-		}
-	}
-}
-
 func (or *Response) readXMLHeaders(decoder *xml.Decoder) error {
 	var tok xml.Token
 	tok, err := nextNonWhitespaceToken(decoder)
diff --git a/signup.go b/signup.go
index f356010..f38054a 100644
--- a/signup.go
+++ b/signup.go
@@ -61,12 +61,6 @@ func (bai *BankAcctInfo) String() string {
 	return fmt.Sprintf("%+v", *bai)
 }
 
-type CCAcct struct {
-	XMLName xml.Name // CCACCTTO or CCACCTFROM
-	AcctId  String   `xml:"ACCTID"`
-	AcctKey String   `xml:"ACCTKEY,omitempty"` // Unused in USA
-}
-
 type CCAcctInfo struct {
 	XMLName            xml.Name `xml:"CCACCTINFO"`
 	CCAcctFrom         CCAcct   `xml:"CCACCTFROM"`
diff --git a/util.go b/util.go
new file mode 100644
index 0000000..5aa73aa
--- /dev/null
+++ b/util.go
@@ -0,0 +1,25 @@
+package ofxgo
+
+import (
+	"bytes"
+	"github.com/golang/go/src/encoding/xml"
+)
+
+// Returns the next available Token from the xml.Decoder that is not CharData
+// made up entirely of whitespace. This is useful to skip whitespace when
+// manually unmarshaling XML.
+func nextNonWhitespaceToken(decoder *xml.Decoder) (xml.Token, error) {
+	for {
+		tok, err := decoder.Token()
+		if err != nil {
+			return nil, err
+		} else if chars, ok := tok.(xml.CharData); ok {
+			strippedBytes := bytes.TrimSpace(chars)
+			if len(strippedBytes) != 0 {
+				return tok, nil
+			}
+		} else {
+			return tok, nil
+		}
+	}
+}