A lot of banks don't even have web interface and those they still do require you to install and link smartphone app to be able to log in or to pay with card online.
While there might in theory be many second factors with different pros and cons, most bank only allow their own app and nothing else. The few stragglers that still allow text messages make it increasingly user hostile, e.g. rewrite 12 number code and enter special PIN, different from your normal PIN or just click a button in app!
And of course, none of the banking apps will work without Google or Apple account, because if you try to run them on deGoogled Android they just refuse to work.
It will soon be impossible to be part of society without having Google or Apple account. Maybe it is already the case.