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Genuine question: does your bank not have a website you can use for that? (Wondering how your bank enables online for desktop/laptop users and/or folks without their app.)

(ETA:) My banks probably have apps, but I only use them via their websites, even on my phone (in a desperate pinch).

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The problem is they usually allow 2FA through their app. I am not sure if this is the case for OP, but it is for most online banks. Luckily my bank still provides a physical authentication device.

I'm always amazed how all the banks I've used in Australia require either their own proprietary app or some bizarre closed source unvetted 3rd party TOTP implementation instead of just allowing TOTP.

Banks and NFC have been a major obstacle for me to degoogle. Even when I rooted my phone, i could not pay with NFC. Apparently it's a common problem:

https://www.reddit.com/r/foss/s/5myzcPg2rw

I think typically you can only cash check with a phone app.

You can also take them into a branch

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