At least you have some recourse and protection if something happens to your bank account, unlike an Xbox account where Microsoft can just deny access for any re

At least you have some recourse and protection if something happens to your bank account, unlike an Xbox account where Microsoft can just deny access for any reason. But I'm also grateful my credit union has an online portal that has 2FA with authentication app support and the ability to disable SMS, phone call and email 2FA options.