This year I am no longer able to access my account over my phone due the fact that my bank decided to drop (!!!) 2FA-class authorization, so verbalization of my personal information (!) is the only way I can access my account without an internet browser. Is there some legal or any other argument I can state to restore access to my account (US) over the phone?
Is there some legal argument I can state to restore access to my account (US)?
To give an answer,
i. No. Without even looking at it, there is 100.0000% certainty that the boilerplate adhesion contract you made when opening the account allows them to change/add/remove any apps or access methods at will.
Given (i), you fair and square started using a bank which stated in advance the app could disappear at any time, so, that's that.
ii. Could there be a disability issue? i.e. customer is not able to access now due to a disability. In that case
(a) they will not change the whole app for you (as that costs millions),
(b) they will bend over backwards doing whatever it takes to avoid legal trouble from a disabled-rights group
(c) yes, in the USA, there is a non-zero chance you could actually bring a lawsuit (ie, a contingency ambulance chaser will do that for you) using the disability-2F angle; and/or if not a lawsuit, pressure from the relevant disabled-rights group.
Do note that a-b-c are only theoretical comments based on (ii).