AFAIK no Canadian banks even support TOTP - it's all SMS (or in one case a bank "app" that does TOTP, but frequently logs you out so you have to use SMS anyways

AFAIK no Canadian banks even support TOTP - it's all SMS (or in one case a bank "app" that does TOTP, but frequently logs you out so you have to use SMS anyways). Maybe they'll catch up in a decade or so.