Practical answer
How do I bank without a smartphone in my pocket?
Banking is one of the easiest things to move off the phone: web banking, phone banking, and cards all still work.
Almost everything a banking app does, a bank's website does. The exceptions are worth planning for.
- Balances, transfers, and bill pay: use web banking on a computer.
- Mobile check deposit: this genuinely needs a camera and an app. Use a tablet, a stationary smartphone, or the branch.
- Card alerts: switch to text or email alerts instead of push notifications.
- Tap to pay: a physical card works everywhere your phone did.
The real dependency is the login code
Most banks text or push a verification code. Make sure that code arrives on the device you actually carry, or on an authenticator that lives on the computer. Sort this out before you switch phones.