Typically, the only thing an app offers that the web site doesn't is paper check scan and deposit. Do you really need this? I don't.
Lots of people seem to be unaware that a web site can be pinned to your home screen with an icon --- just like an app.
I'm not aware of any US bank that *requires* an app. This rules out access from a desktop doesn't it?
You use the same procedure you used to register that phone, to register a new one.
> This rules out access from a desktop doesn't it?
Using the phone for 2FA means you are accessing from a desktop, and using the phone only as an extra confirmation for the transaction.
May not be possible if you need your old phone to login.
This reminds me of Internet Service Providers who direct you to get support online when failure to get online is the very reason why you need support.
If your phone die, you replace it or do your operations at the ATM or at the counter during opening hours.
Replacing it is the problem. This can't be done at an ATM and if you're on a trip or you use an online bank, a counter may not be available.
Tying account access to one small, portable, highly vulnerable device with questionable reliability is an inherently bad idea in my opinion. Lose access to the device for any reason (lost, stolen, dropped, the fingerprint reader fails or the phone simply dies) and you also lose access to your account.
I prefer to simply create decent login credentials and store them only in my head --- not in a app and not in a web browser either. This way, when (not if) my phone stops working, I can immediately switch to an older backup phone without missing a beat.
I tie my bank accounts to two devices in case one goes wrong, and neither of those leave the house to reduce the chance of getting lost or stolen.
Of course, the phone has Apple Pay and keychain access ...
The "benefit" of Apple Pay is that by regular use, I am constantly reminded where the phone is. The watch hasn't griped about leaving the phone home when I take a spin around the "estate" here, so I'll check on that today. Matter of fact, neither does the phone when I drive off, leaving the other Apple goodies home.
More settings to check.