Bank of America is not one of the banks I talked to because I will never bank with them again. I was 18 and they sent me (unsolicited) a credit card when I opened my first checking account. It had A 35% interest rate.
Commerce, Midwest, citi, and most if not all state banks have 2fa at this point.
2fa with a physical key? Also it’s been more than a year since I last checked at all.
Via third party integration yes. Outside of that is user/password then they send a code to your email or phone you enter that and it bumps you to third party if you’ve requested it.
https://www.bankofamerica.com/security-center/online-mobile-banking-privacy/usb-security-key/