My bank app works fine and I can use the NFC chip for payments as well, it might pay to search up your bank name and graphineos to see if anyone’s had an issue, that’s what I did to make sure.
You have to unlock it to install but once installed they prefer you lock the bootloader back up again.
Google wallet doesn’t work at all, but if your bank offers its own NFC payment system then that should work.
The only app that I’ve had an issue with was uber, that refused to install from either play store or aurora store, but beyond that I haven’t had any issues. Just search graphineos and the app you want to check, or check out their forum.