Three years ago my bank called about a $12 charge, and that's when I finally turned on 2FA
I had been putting off two factor auth on my banking app because I thought it was annoying, then someone in Miami tried a $12 test charge on my card at 2am. The bank caught it, but the rep said the small charge is usually a test before the big one. Now I use an authenticator app instead of texts too, so has anyone else switched off SMS codes?