One option you might consider is to simply use banking web sites on your phone, rather than the banking app. They all have a “mobile” version that works just fine. That’s what I do - as I suspect that phone apps - besides being less secure (in my opinion) like every other app you download harvests far more information than necessary for them to complete a transaction. I also use 2-factor authentication to log in (every time) on accounts that can be so configured.
I write maybe 5 checks a year.
Actually, the app for my bank and credit card,downloaded through the iOS App Store, works very well in my case. Mostly because it requires pretty strict login credentials.