I think "for certified devices" is the key there. If you unlock / de-certify / graphene should be OK. Problem is high trust apps like banking apps will immediately demand certified only
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GrapheneOS isn't a Google certified OS and some banking apps already block running on operating systems that aren't. The Play Integrity API allows an app developer to do this.
Yet they will run in a web browser.. banks are so retarded with their security theatre
Maybe keep a crummy little iphone se or cheap android on wifi only, for just those times you need to touch filthy fiat? Keep it in a faraday bag otherwise?
I'd say first see if the bank offers a hardware tokens to do banking trough a website. Mine has that and I use that. If not, thats plan B.