[jimmies]

For banks that insist on doing SMS-based 2FA, I use a less well-known Google Voice number that only I know and don't give to my normal contacts. That number does nothing other than to receive 2FA codes, doesn't forward its messages and calls to any other numbers.

My reasoning is that it would not be trivial to guess the phone number from my account/name, and to guess my name from phone number (unless someone hacks into the bank's db, in which I'm in troubles anyways). Furthermore if someone was able to figure out that link, it would not be trivial to do SIM swap on Google Voice, it would not be trivial to attack the Google Voice app. Two or three stars have to line up for someone to sim-swap that GV number.

But some stupid bank go further to ban GV numbers. In which case I just don't bank with them.

[raincom]

Many banks don't allow Google Voice numbers for SMS-based 2FA. That's a disadvantage.

[simfree]

Dump those banks for a reasonable credit union that has access to the co-op ATM and branch network. There's no reason to be with Bank of Scoundrels (Bank of America) or any of the other scummy banks when many credit unions today can't deliver all of the same features and more of a traditional bank.

Zelle, ACH, international wires, credit products like credit cards, home loans, personal loans, auto loans and such are all available through many credit unions, and they also reimburse ATM fees, often offer higher savings and checking account interest rates, and if your credit is poor or downright awful, they will often lend to you at a low interest rate when no bank or credit card provider would do so.