this post was submitted on 08 Jun 2026
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As much as I don't like LTT, this video is interesting on cell hijacking
https://m.youtube.com/watch?v=wVyu7NB7W6Y
I left Tangerine once they started to force SMS 2fa and fought hard to avoid it. Wealthsimple has support for authenticator 2FA which is nice. I looked a year or so ago and I couldn't find another bank that doesn't force SMS 2fa
RBC doesn't force SMS 2FA, if you don't mind having their app on your phone.
Its seriously embarrassing how bad our banks are at security. I've complained before and got the response "well you are covered if anything happens to your account", they didn't seem to understand when my response was "but I don't want to have to deal with arguing to get my money back"
Stuff like this I'd exactly what I was worried about.
The other thing that banks so that really annoys me is they say "don't share your password to anyone" and then only give the option of a 3rd party company that you provide your login to in order to link accounts between banks. What happens if one of those businesses gets hacked? Would they reject claims because you gave them your account details?
Vancity has OTP 2FA as an alternative, I think they added that sometime last year which I really appreciate.