Oh dear! That's like Microsoft all over again!

I've been in IT long enough to recognize this pattern. Every "convenient" lock-in becomes an expensive problem later - something you're definitely experiencing now!

My advice: don't get locked in in the first place yesterday. Or second best, start exploring ways out today. Push back on your bank - odds are they simply haven't had enough complaints yet. Demand alternate authentication methods. Fall back to web banking or even paper banking. Shop around - banks are IT companies like any other these days, and there are definitely banks with better terms.

Fortunately I'm in the Netherlands where web banking still works fine, so that's what I'm doing. Where are you located?