I have one but didn't want it be a barrier to my funds. So I called the bank and they hit a button that it is no longer required. Perhaps email for second factor?
I've been using email for the last few years, and just this month my bank made a change so that you MUST use a phone call or SMS. NO getting around it. Can't even use something like an authentication app... so I MUST have a SIM with an actual number.
