[hakfoo]

IME, username + password along with an occasional and random "we don't recognize your machine" where they send a 2FA code over SMS.

Entertainingly, they seem to sniff user-agents in some way. Firefox on Linux works fine, but I tried to log in with Firefox on OpenBSD recently, and it just kicked me out suggesting I try their mobile app[0]; I tried the ungoogled-chromium package, and it worked. Apparently, this presents a FreeBSD user-agent string.

I sort of want to switch to, well, any other institution, but my family is terrified "what if there's not an ATM nearby?" Strangely, I've never had easy access to a Chase machine on any holiday or business trip I went on.

[0] I love it when they know I'm on a desktop and still encourage you to install their zippy new app. PayPal, I'm sure that iOS app has a Void package.

[nolongerthere]

many smaller banks (or banks without large atm networks) offer fee reimbursements 3-5 times/month for using nonbranded atms. for most people who rarely use atms to begin with this is usually enough.