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I hate how disposable smartphones are
(hexbear.net)
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Check out LineageOs. The point of the phone os is to allow you to keep using your phone for as long as you want. Bit of a pain to initally setup though
Not sure how nicely banking apps play with FOSS operating systems
Mine works fine but i might just be lucky. The phone is still based in android. I havent had issues with anything other android devices can do
It varies. In my experience Bank of America works fine, Capital One used to work but doesn't currently
You'll need to get the latest microG on there, its worth a try. Phones are expensive.
You have to flash in google apps (MindTheGapps) when flashing the OS to run the app but you have to do that to get Google Play and install the app anyways. After that the app doesn't know the difference.
I have a North America note 20 ultra. I don't think anyone has really been able to properly get around the locked boot loader for them.
Yeah unfortunately root access is a requirement