Here is a list of most banking apps and whether they work or not. I’ve been using GrapheneOS for a while and haven’t encountered major problems. Only thing I wish I knew beforehand is that multi-user profiles are more cumbersome than what most people say.
Depends on the car, some of them are smarter about it. I remember my dad’s old pickup would downshift if it picked up speed while not touching the throttle, like when going downhill