To test this out I installed apps from 3 of the largest banks on a Nexus 5 running Lineage OS 20 (Android 13 - yes a 9 year old phone with 2GB of RAM running Android 13 very well) with a minimum install of Google Play Services. 1 app said I was running a modified version of Android, but let me proceed to log in. The other 2 let me log in immediately with no warning message.