I love me some ID.me and think every bank and financial institution should be required to use it. It goes so far beyond to do good multi-factor auth and even accounts for the un-homed and un-phoned in their multifactor. Thousands of people can't bank or use many services because they can't get a phone number, but they can use id.me at a library or other public computer with few issues just having an old offline phone running an authenticator

Edit: TIL login.gov is the new hotness