Updated 3-8-22: So now I need a text message everytime I log in on my phone? Why do you need that with all your garage permissions you claim you need. I can see the first time I sign in with my phone New permissions are about security and are about collecting data. You won't let me use the app because I won't let you make a phone call. If you cared about security you would let me do two factor with an app instead of text messages. If I stop being lazy I will look into other banking options.