Bank apps seem to be a bottleneck in many aspects of phone development.
Are you not able to use your bank's mobile or desktop website in your phone's browser? I don't think I've ever installed a banking app. I also use a credit union though, maybe they're less incentivized to force people onto their apps.
My Canadian bank occasionally will block a bank transfer if done from my computer. I have called customer support, and they can't even tell why the transfer is being blocked. Possibly because there is some opaque ML algorithm at the backend.
Customer support has requested that I use the mobile app, and that usually allows the transfer.
Are you not able to use your bank's mobile or desktop website in your phone's browser? I don't think I've ever installed a banking app. I also use a credit union though, maybe they're less incentivized to force people onto their apps.