That's the wrong question to ask. There are no financial institutions that have proper 2FA. I don't know of a single bank in the US that uses any standard 2FA.

That's the wrong question to ask. There are no financial institutions that have proper 2FA. I don't know of a single bank in the US that uses any standard 2FA. They all use SMS. Recently, I found that you can make paypal (US) use TOTP 2FA with a workaround. I recommend everyone to do that.