I use Schwab (bank and brokerage). Their money market funds yields 4.x% with just a few more clicks to move into and out of the MMF. The Bill Pay retrieves the amount on my BofA credit card just fine. And it supports TOTP via Symantec VIP Access (it doesn't seem like you can use a standard TOTP app).

This is why I think people ending up locked into vendor implementations of passkeys will be a thing. We had a totally open standard, TOTP, and there were still (somewhat successful) efforts make it non-standard like the Symantec VIP Access you mentioned. How many authenticator apps do I have to install? I was hoping for one!

FWIW when I was researching this for my own accounts I believe I saw in passing that someone had figured out a way to extricate the TOTP secret from VIP Access to use in a standard TOTP app. I didn't look into it much though since none of my current accounts require it and it just seemed something to avoid.

Thanks! that's actually much closer to what I'm looking for.

pip install python-vipaccess looks like it'll provision new token, form which you can then use the secret in a regular TOTP app.

Wonder if that could be used to sidestep the proprietary app