I don‘t know where you are from, but the EU requires banks to use 2FA for login even via a browser. This is commonly implemented via a banking app, where you grant permissions for login/payments. So it is a huge dealbraker when those apps are not working on GrapheneOs
And before anyone goes blaming the EU as it‘s fashionable right now: mandatory 2FA for banks is a good idea, this is entirely Googles and the banks fault.
The second factor is the app on your phone. It‘s not Totp. When you log in somewhere or make a transaction it will send a notification to the app asking you to confirm.
When you open the bank account you get a letter with a code to register in the app, which authorizes it to receive the notification.