Comment by finaard

> As for the second part (separate authentication methods), sure, would be rather problematic if they require you to have a phone, but that's a completely separate and different issue.

It's getting somewhat annoying nowadays with banks pushing that crap, but fortunately legislation for access of people with disabilites forces them to provide tokens still.

A lot of them now switched to banking apps on the phone acting as token without a chance to opt out, though, so as a result I've stopped doing anything bank related on phones nowadays.