Seconded. Banks have all kinds of IP access rules that can bite you. Connecting from an IP allocated to one of the well known clouds will certainly raise a flag as throwaway VPS are often used for fraud.
Maybe once passkeys or hardware keys are widely adopted they can remove the atrocious fraud detection.
Whereas 99.999%? of the users won't use tor/$vpnCompany/cloud provider IPs. It's all in terms of which is less likely to lead to a support request.
I worked with a relatively big bank that used a tool like Akami or Cloudflare. With those tools you can just ban/block entire countries (think any IP from Iran, Russia, etc) or entire ASNs.