> But, they still use proprietary TOTP from Symantec which is annoying.

They at least used to, but I'm not sure they still do.

(And when they did, I was able to copy the key into a MFA app of my choice.)

But now as an end-user, it's all built in to their own banking app. I don't use the code from the app though, because I just use my personal 4 digit pin (after entering in my unique password from my password manager).

Yeah I've never worked there, but been a customer since 2005. For many years there, USAA was really cutting edge of tech and highly competent. The system has slowly gotten a little less usable though, but at least it still works most of the time