Bieng in a similar situation, my back up plan has been to keep a phone that is used exclusivly for personal banking and pull the sim and shut it off when not in use. Currently I have a much fiddled with android phone and a browser that will interact with the banks web sites for banking. I get a lot of paper cheques and convert to cash for much of my personal spending, and my hope is that the new system will facilitate timely clearance of paper cheques and actualy make them more atractive.