I finally had some checks to deposit and my bank app said an update was required in order to proceed. Upon getting the update, I am then told that iOS 13 is minimally required - I was still on 12.x
It went well other than all of the BS they try to sell me upon restart. The new back app worked very well - better than before.
I refuse to play the 'gotta have the latest/greatest' game anymore. I use my phone as a phone primarily.