I honestly hate SMS 2FA. No idea why banks refuse to switch over to hardware keys or authenticator apps.

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My guess is SMS 2FA is relatively easy for Boomers and older GenXers to grasp. 2FA AUTH apps, not so much. Would create a huge uptick in customer service needs.

Would be nice to have the option. Imagine it would actually save on the costs of the SMS.

100%. I've found some newer banks allow for it, like Mercury for small businesses.