I’m currently using one of the major banks, and I want to switch due to them not taking security seriously. Are there any banks that you can recommend that have good security, preferably allow TOTP codes, and are not as anti-consumer as others? Would a local credit union be better? I’m a bit of a be…

You can always inquire about making an account and all the features the app may entail when it comes to your account security. But without knowing more details about your location or region, it’s hard to say anything one way or the other with specificity.

Kraken is a crypto exchange that allows passkeys and probably totp without ever really needing phone number without signing up. Unfortunately I don’t know that it can be used exactly like a bank.

I think the first few words in your first sentence answers your last few words posed as a question. Kraken is not a bank indeed.

[image] anon4124882: Kraken is not a bank indeed. You can put money in it though.

[image] thelittleguy: I don’t really plan to spend with this bank unless absolutely necessary as I prefer cash and Monero btw, I just need a place to keep my money and savings in. We have a very similar financial workflow, except I am unbanked at this point. Right now I simply hold cash or pu…

I will definitely ask the bank about those things and do research before signing up. I was just wondering if anyone had any good experienced in the United States. I probably shouldn’t say my state for privacy reasons.

I wish I could do this but I need a bank to receive my paychecks and to invest from.

Maybe you could find one that supports different security methods. https://passkeys.directory/ , 2FA Directory

Thank you this is very helpful!

How do you deal with services that require card details? I don’t know of any service that reliably provides a card without bunch of caveats

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FranklyFlawless (Frank Lý) February 27, 2026, 10:08pm 6

We have a very similar financial workflow, except I am unbanked at this point. Right now I simply hold cash or purchase more cryptocurrencies.

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