You can get access to your bank app via Aurora store, available on F-Droid. It is a front end to google play store and allows install/update of the apks. It also shows you the report on what trackers are known in each app.
Note that without google services, some app functionality that relies on it may not work, like notifications. The alarm app is bundled with AOSP so should work, weird.
Keepassdx works fine with Vanadium for me. Magickeyboard is amazing for auto type.
That being said maybe the pixel 4 builds aren't as mature. I am running on Pixel 3a and it has been smooth sailing. A phone experience I have long been waiting for.
Also the project is not as well resourced as big companies, so some bugs and rough edges are expected . Support the project financially if you want a viable open source and secure mobile os.