For watches you can use the Pine time or BangleJS. The Banglejs doesn’t do as well in terms of privacy and freedom but it is better than nothing.
As for banking I usually do it either in person or on there website.
How would BangleJs be worse in terms of privacy? You can run both with gadgetbridge, so no cloud data necessary.
I wore a Pinetime for a while, sadly the touchscreen can’t beat the Pebble’s buttons. I’d buy a Pinetime with buttons and a non-touch reflective LCD in a heartbeat though! I was looking at BangleJS or Watchy as replacements but I’m really unsure about the durability and how usable they’d be (I need just the time and notifications, maps/navigation is a big plus tho).