> Sometimes, services may have SMS as the only option for two-factor. If this service is a bank or a crypto wallet, consider switching, because that isn’t great

> Sometimes, services may have SMS as the only option for two-factor. If this service is a bank or a crypto wallet, consider switching, because that isn’t great. Most banks I've interacted with fit in this category, except for online only banks. If you need a bank with a local presence, switching might not be an option.