So far, one of my banks says the same as yours and insisted I sign a form disavowing any recourse to fraud. My other bank had my photo requirement on the phone app working, but it stopped. I then had to in a few weeks ago and reregister the photograph and passport information. The latter bank still allows for online banking, however, which I prefer. The first bank mention cancelled that service, along with bank branches and ATMs in my area, all but making use of the phone app mandatory for anything outside of a visit to the bank.