[kwanbix]

I don't know how it is in USA, but in EU, if you don't know how to use a phone as 2FA you are basically out of almost every bank. And more and more apps are adding it. TRy to login to gapps/gmail and you get a question if you want to setup a passkey or something like that.

[kibibu]

If you physically visit the bank you don't need 2fa. Also, you don't need email or passkeys.

I have relatives who don't own or use smartphones.

[fragmede]

Depends on the bank and what you're doing. I've had to read an SMS sent code to the bank employee in person to verify that I'm me.