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3 points

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.

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3 points

Commerce, Midwest, citi, and most if not all state banks have 2fa at this point.

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2 points
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2fa with a physical key? Also it’s been more than a year since I last checked at all.

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3 points
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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/

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1 point

35% interest rate

Per year? Rookie numbers, imagine that per month

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