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- I keep telling my damn bank this too…they demand my cellphone for sms 2fa. I am constantly telling them to fuck off, and allow me to use my own authentication apps. - Nope…they won’t even consider it because…hell if know. I basically can’t do any banking on my phone anymore, and soon enough desktop. Their in branch hours are like 10-3…it’s absurd. - They are literally preventing me from doing anything with them because they want unsecure methods to say they are doing something. They really don’t give a damn - Why are they still your bank? - What bank (or actually credit union) uses Fido or TOTP for second factor? 
- Don’t have much choice, that I’m aware of. 
 
- What you want is the HMAC hash 
 


