Is anyone actually running modern Linux on Itanium? I have never in my life even heard of anyone using those chips. I find it hard to imagine anyone still using them that isn't running something legacy.
I started banking with them in 2011, I think, on recommendation from friends. I've continued to use them because of my satisfaction with the things you've mentioned as well as the services they make available through the site and app. (It's USAA, for reference).
There are a bunch of APIs, actually. Plaid is a pretty popular one. The problem is getting the banks to implement them.
But people definitely choose banks because of their apps. For example, my bank doesn't have any physical branches in my area, so I do everything through the website or app. Remote check deposit through my phone camera, for example.
There used to be a native tool called Windows Easy Transfer, but it was dropped in Windows 10 in favor of third-party tools like PCmover and transwiz. There is still Microsoft's USMT, but that's designed as an enterprise tool and I think it depends on MECM.
Similarly, in Linux, I've seen issues like a chown/chmod gone wild that fucked the system file permissions enough that reinstalling is the easiest course of action.
You might be able to fix it by picking the most recent of all the mixed releases and running a dist-upgrade. But this is absolutely not supported or tested. But a complete reinstall is certain to fix it.
Is anyone actually running modern Linux on Itanium? I have never in my life even heard of anyone using those chips. I find it hard to imagine anyone still using them that isn't running something legacy.