I actually don’t do any banking on my phone at all, as phones can easily be stolen and if that person saw you typing your passcode, then they can unlock it and get past any screen that asks for your fingerprint.

Yes, I do use my fingerprint, but I can’t always use it (e.g. If I have rebooted or if my phone just won’t let me for some reason), so I don’t keep much on my phone and instead do things like banking on a desktop computer with disk-encryption.

How long left until my bank requires me to use their app? I don’t know and I have no idea if it’ll work on custom ROMs.