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The real important reminder here is that you should never use SMS as your 2FA delivery method. Phone numbers aren't private and once associated with an account it's far too easy to spoof/sim swap and intercept the code.
Someone needs to convince US Banks of this
That shit drives me nuts. Wanna be trusted with my life savings, but they can't be bothered to implement modern security features until they're already being phased out. I don't know what will replace modern 2FA schemes, but I guarantee banks will adopt the current ones about three years after the replacements become standard.
Also, they're charging you a poor tax for not having enough money, whether that's a minimum balance or just accidentally spending a nickel more than you had on hand.