The only time I've willingly used a banking app is when they lock out my VPN IP. In those cases the app still usually works for whatever reason. So far, I haven't found any functionality missing from the webapp, but I'm also dealing with brick and mortar institutions.
I would be concerned as they will eventually probably move to a phone app first ecosystem, however it will probably take a while. Some people are still only using in person and phone banking (where you call them and punch in numbers).
There are a handful of groups putting out what I would consider decent AV1 encodes. A couple PTs allow them, and there are groups on 1337x. Just grab a couple from each tag you can find and see if they meet your needs. Generally speaking, look for groups which note their source, which encoder they are using, and ideally what settings they used in general.
AV1 has come a long way fast, but in my experience a good x265 encode is still better for live action.