I'm lucky my banking app works (GrapheneOS), as it's now requiring 2FA with the app anytime I login on the browser. Can't use an actually secure form like TOTP. At least they now allow passwords over 8 characters (yes, serious).
(Meme in comments)
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You can't do that without unlocking the bootloader, and that alone will trip "root detection" (Play Integrity).
Some apps take it further and won't run if you enable Developer Options! (Or have any number of "hacking apps" installed, such as autotap apps that don't even need root.)
Yes, I am aware of how it works. Unlocking the bootloader is not the same as rooting, and all my apps work just fine.
If they work with an unlocked bootloader then they would almost certainly also work fully rooted, with the advantages that brings (such as actual working app+data backups, limiting max battery charge, better automation possibilities with apps like Tasker, etc)
I'd much rather switch banks than give up rooting my phone.