You can have a Yahoo account, a Hotmail account, a ProtonMail account. You can go to your bank in person or without an app. I would be less surprised to learn that a bank does not have an app than I would be to learn they do not have a website.
The web site often requires an app for authentication. Some (not all) banks offer alternatives, which often come at a cost (either financial or time) that would, once you add all of the costs up, be catastrophic for the majority of people, because it's never one thing that is affected with these major gatekeepers.
The web site often requires an app for authentication. Some (not all) banks offer alternatives, which often come at a cost (either financial or time) that would, once you add all of the costs up, be catastrophic for the majority of people, because it's never one thing that is affected with these major gatekeepers.