Microsoft Money (*.mny) files are changed or locked / open even when Microsoft Money is not running

Microsoft Money 2003 utilizes three background processes, mis.exe (Money Information Server COM Server), misuser.exe (Money Information Server User Broker COM Server) and mnyschdl.exe (Money Task Scheduler) to keep your Microsoft Money data updated whether or not Microsoft Money itself (msmoney.exe) is running. One or more of these processes locks the file periodically. If you do not desire this behavior, open Microsoft Money, click on "Internet Updates > Customize Updates" at the bottom left of the program and deselect the Background Banking features.