I've had one bank account open for over 20 years, and just using online password and PIN number, I've never had a problem with security. Nor have I ever had a problem with security with my brokerage account, or my other bank account, or my credit card account with the same security measures.
And just to be clear, there is no security involved here because I'm not wanting to transfer any money at all. All I'm wanting is access is the financial information in order to file my (foreign) taxes and report correct income and balances.
So, yes, believing that adding a OTP is to your accounts is going to protect you is naïve.
But you, ridiculously, stated that it the security measures were "childishness", that is what I reacted to, nothing more, yet you don't address that!