I have a huge amount of funds on my bank account which is not accessible without a phone after last update of some software on their side. Maybe that account is

I have a huge amount of funds on my bank account which is not accessible without a phone after last update of some software on their side. Maybe that account is not a digital asset but I do not want that funds to belong to my bank instead of my family just because of my unexpected death. That is definitely not an off-topic.