For what its worth, my banking app has worked without a problem on GrapheneOS with the sandboxed play store. Truly loving it. (I also went in with a backup and would suggest it just in case).

My two banking apps have run fine on LineageOS with microG. There are plenty of other things that don't work, but the banking apps are fine.

Maybe give GrapheneOS a shot then. In my experience, pretty much everything works out of the box.

I do banking through the browser and it works just fine. That and Google Maps if I really need a pinpoint business location or traffic. We underestimate just how much still works fine in a browser, with the added benefit of being sandboxed and sucking very little comparative power to a native app. Often, mobile versions of websites are stripped down and quite nimble.

What email client are you using?

not op, but k-9 mail is a fantastic mail client on f-droid

If you are into a lot of features: Fair Mail If you want to keep it simple: K-9 Mail

Any way to do tap to pay with banking apps? I'm too used to the convenience but trying to be privacy conscious where I can.