Here is the complete source code of an example using JSch without having to worry about the ssh key checking.
import com.jcraft.jsch.*;
public class TestJSch {
public static void main(String args[]) {
JSch jsch = new JSch();
Session session = null;
try {
session = jsch.getSession("username", "127.0.0.1", 22);
session.setConfig("StrictHostKeyChecking", "no");
session.setPassword("password");
session.connect();
Channel channel = session.openChannel("sftp");
channel.connect();
ChannelSftp sftpChannel = (ChannelSftp) channel;
sftpChannel.get("remotefile.txt", "localfile.txt");
sftpChannel.exit();
session.disconnect();
} catch (JSchException e) {
e.printStackTrace();
} catch (SftpException e) {
e.printStackTrace();
}
}
}