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I keep telling my damn bank this too…they demand my cellphone for sms 2fa. I am constantly telling them to fuck off, and allow me to use my own authentication apps.
Nope…they won’t even consider it because…hell if know. I basically can’t do any banking on my phone anymore, and soon enough desktop. Their in branch hours are like 10-3…it’s absurd.
They are literally preventing me from doing anything with them because they want unsecure methods to say they are doing something. They really don’t give a damn
Why are they still your bank?
What bank (or actually credit union) uses Fido or TOTP for second factor?
Don’t have much choice, that I’m aware of.
What you want it the HMAC hash