If you are buying now, you want a device on a v5 Linux kernel with BPF support, where the bootloader can be unlocked and VoLTE is implemented in the 3rd-party ROM.
LineageOS has a build roster of current devices at this URL:
The Pixels are the most flexible, but don't buy a model from Verizon (they don't allow unlocked bootloaders).
Most other OEMs require you to generate an unlock token and send it to them, then wait a week, which is extrememly inconvenient (and sometimes they just stop and refuse, as I understand OnePlus has).
If you want a locked bootloader at the end of the process for security, then you will be on a later Pixel with Graphene.
Unfortunately, even with the best after-market support, banking apps and/or contactless payments becomes a cat-and-mouse game, that, even if it works, can stop working at the drop of a hat.
I can tell you that Wells Fargo works both on Lineage with Mind the Gapps, and Graphene with the Play store installed. I have it on my OnePlus 5 and Pixel 6a.
I understand that most U.S. banking apps work on Graphene.
As far as contactless payments, try a Pixel watch. I understand that it is entirely separate from the phone.
LineageOS has a build roster of current devices at this URL:
https://lineageos.org/Changelog-30/
The Pixels are the most flexible, but don't buy a model from Verizon (they don't allow unlocked bootloaders).
Most other OEMs require you to generate an unlock token and send it to them, then wait a week, which is extrememly inconvenient (and sometimes they just stop and refuse, as I understand OnePlus has).
If you want a locked bootloader at the end of the process for security, then you will be on a later Pixel with Graphene.