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Bank of UnAmerica. Not only are their business practices crap but they do every little thing to annoy me as a user. It super convoluted to setup autopay. Also, they only support 2FA with SMS rather than being able to use a TOTP app.
That's not entirely true about the 2FA, they do support FIDO-2 usb keys like Yubikey. Although, I'm not sure if they also require SMS to be active as a backup which would make the security key less effective.
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