The worst I've found is a few apps that complain and push a bullshit scare story at you ("your device is insecure" LOL. My house is technically less secure because I have a key to it, too). Bank accounts are commodities and most banks have no monthly fees with no minimum balances. The easy answer is to choose banks based on who doesn't engage in user-hostile shenanigans (see also: snake oil "2FA"). Moving between accounts over the course of a few months is quite easy, especially if you do not write checks.