alt Hacker NewsThis probably depends on location, but generally, you cannot log in to your bank account on your laptop/computer without using your phone's banking app for 2FA. That's the status quo among banks.
Whether it may be possible to convince a bank to give you a hardware token instead if they even still make them is not an assured thing.
I have several accounts in different banks (across two different countries) and never had problems with using SMS as a second factor for internet banking. Definitely not status quo, at least in Europe.