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I'm surprised, most banks I've come across force sms or phone-call 2fa only. A rare few allow generic TOTP authenticators, and maybe one or two has an app as an option. And I've only come across one bank that detects and warns for root access. Is there no "jailbreak hide" on ios?

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In Poland it's SMS OTPs, bank app (heavily recommended and in some cases enforced by the bank) or additionally paid physical TOTP token devices. And almost all banks throw a hissy fit once you have some sort of vector of root detection left open.

This heavily depends on the country.

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