I bank with a local credit union, and their online banking originally only supported SMS. I wrote to them about the many security issues with that, and an execu

I bank with a local credit union, and their online banking originally only supported SMS. I wrote to them about the many security issues with that, and an executive responded and acknowledged my concerns. A few months later they added TOTP support. Not sure if I influenced that at all, but it's just another reason why I will only ever use a credit union as my main bank.