I’ve always used local credit unions. They exist to serve their members, not generate profits for shareholders. They typically don’t have junk fees, they have better interest rates on both savings and lending, as well as better customer service Check carefully for the things that are important to you (wide network of ATMs, Zelle, etc.) because these things can vary widely.
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I had a branded Customers Bank (I think it was) account that a fin tech was using. They had TOTP and seemed pretty tech friendly.
Also, some/most of the major brokerages (Fidelity, Schwab, Vanguard, etc) offer banking services under their names that other banks will service. You get the security of the brokerage to access your account and usually free ATMs for cash and no International fees for US based accounts.
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I like that CapitalOne offers virtual cards. They come in handy when making purchases over websites I don’t normally shop at. I just delete the virtual card after the purchase, just in case there is a security breach that steals payment info.
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Although there is that baseline of terribleness for banks, consumer reports has an article that gives some privacy comparisons of the mobile apps. Which Banking App Is Best for You? - Consumer Reports
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Thank you. To add on to this, here is a list of the banking apps that work on GrapheneOS: Banking Applications Compatibility with GrapheneOS | PrivSec - A practical approach to Privacy and Security
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These may not have any branches in your area but…
U.S. Bank now supports passkeys
First Tech Credit Union supports TOTP and RSA fob and you can use a separate dedicated email just for 2FA/account reset.
WellsFargo supports RSA fob and their password reset doesnt allow text messaging only email or phone call to the bank.
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