Dear banks:
If I am using an authenticator app or even a modern day passkey to auth to your website, STOP REQUIRING EMAIL OR SMS 2FA ON TOP OF THAT YOU FUCKING DINOSAURS.
Thank you for your kind attention to this matter.
After some time on the phone with tech support, and some experimentation, I have concluded that modern day banks have totally given up on web browsers and making their websites accessible, and only support apps anymore. I fucking hate apps. I don't want apps. But if you are using a browser, you are apparently considered a security risk and they don't want you around.