Thanks for the reply - makes sense. Just in the interest of sharing (not trying to make an argument here): I tried the "app only" bank account thing and didn't

Thanks for the reply - makes sense. Just in the interest of sharing (not trying to make an argument here): I tried the "app only" bank account thing and didn't like it. My "fancy fintech bank account" lasted less than a year before I closed it, I think. As for checking my balance and transfers, I only do that every few weeks when I fire up my desktop banking software in order to pull all bank statements and archive them away. I don't think I've ever come across a 2FA thing that was app only (if I did, I probably would just refuse to use the service).