I wonder about those banking sites.. my bank only lists hardware token. However, that internet bank is by default 2FA, because I need a password and code card which I possess and which they give out to every user. Not only for login I need some code from that card but also for each payment via internet bank.
Some backstory on that decision: the site originally had columns for each 2fa company/product you could use; e.g., Google Authenticator, Authy, etc. Listing all the options was not scalable as the number of options grew, so twofactorauth.org went with a more abstract classification based on the second factor interaction. A few examples where that matters: * If you refuse to use an easily misplaced fob then you might avoid sites that only offer hardware 2fa. * Not everyone can receive SMS, but maybe they can download an app (software) or reuse their hardware token. * Some people prefer a voice call, so they might choose a bank that allows for 2fa-over-voice.
Hope this helps.