alt Hacker NewsI can tell you that Wells Fargo works both on Lineage with Mind the Gapps, and Graphene with the Play store installed. I have it on my OnePlus 5 and Pixel 6a.
I understand that most U.S. banking apps work on Graphene.
As far as contactless payments, try a Pixel watch. I understand that it is entirely separate from the phone.
Provisioning payment cards on your watch without being able to run the phone app will be quite a challenge, however!