I have an account at a credit union that only offers SMS 2FA, and requires it for every login. I can't connect to that phone number when I'm abroad, so I can't access my account.
Have you considered getting a voip number? Google Voice, Twilio, etc.
As an aside, I think it's insane that banking apps almost always have 2FA via SMS, which is known to be less secure than a TOTP authenticator, whereas my Nintendo account has TOTP 2FA, and passkey support. Heaven forbid I want more security options for my banking than for my videogames.
