Certainly you can use those, but they're not mandatory (here in Canada at least). Can easily get a card and use physical bank and ATM to do everything, and website logins use email as 2fa.
I was simply stating you can perform banking without a phone. You can check your email (or do your banking) on a phone... But you can do it on a desktop computer just as easily.
What you can do is create a second email that is not at all accessible on your phone, but this is not what 99.9% of people do.
No, my point was that it's pure coincidence I saw the message at all. I didnt even remember what the thread was about because it'd been so long, and your comment didnt really seem to be responding to mine.
> My point was that banks are pushing one factor, just the phone, by requiring you to use your phone number or their app as the 'second factor'. I don't know which banks you can use without a phone number in the US.
Fair enough, I dont have the experience with it. Banks in Canada certainly want 2fa, with the offered factors being phone, app, or email. Using email as the second factor works just fine and one doesn't need their app or a phone at all.
Regardless, that is only needed to do online banking - you can go in to the branch without a phone or email or app and do any banking you want.