Maybe it's different in the US, but in many EU banks you now have to use the app for 2FA. Some banks offer alternatives but many don't.
And when your phone dies???
I'm not aware of any US bank that *requires* an app. This rules out access from a desktop doesn't it?
And when your phone dies???
I'm not aware of any US bank that *requires* an app. This rules out access from a desktop doesn't it?