Yeah, I delayed setting up non-SMS 2FA because I didn't want to go through the hassle of installing and setting up Symantec VIP (requires a call to the bank). If they had supported regular TOTP, I would've had it configured when I set up the account years ago, and that would've prevented this issue since I know I'm never supposed to give out those codes. But SMS auth is used by phone agents to verify identity, as well as with automated systems, so it's easy to skim the message.

There are only a handful of banks that offer something other than SMS 2FA (and many don't even do that), and I picked this bank specifically because of that. However, I didn't realize they used Symantec VIP, so I put it off.