/e/OS can’t do “crucial” when it comes to banking Apps working.
They can break at any time, for any amount of time, even if other users may report them as working right now.
This is something many users don’t get and stumble over. Not much is needed to go from “Hooray, it’s in the list!” or “It works for somebody else!” to “Why is it broken now? It worked before! I need this!!1!eleven!!”.
This is systemic as long as banks don’t officially support their Apps running on Android custom ROMs like /e/OS or LineageOS and instead try to implement ever evolving checks against this (which /e/OS or users themselves then try to work around).
You don’t want this uncertainty and risk if those Apps really are crucial for you.
Sticking with Fairphone’s OS as a Google-certified Android OS gives you the advantage of a chain of obligation. If your banking App doesn’t work and seemingly it’s not the App vendor’s fault, Fairphone have an obligation to look into it and fix it, if they can. If Fairphone would realise the issue lies deeper in the Android base, they could turn to Google, and Google would have an obligation to look into it and fix it, if they can.
With installing an Android custom ROM, you are leaving this professional sector. It’s communities and best effort then. Which tends to be a great experience if you know what you are dealing with, users choose this path for reasons afterall (including me), but obligation to get issues sorted out only goes so far in this territory.
There are two different kinds of “official” at play here.
LineageOS uses “official” as a term for builds which meet certain quality criteria and thus are being built and distributed by LineageOS, see Requesting LineageOS for your device | LineageOS Wiki and charter/device-support-requirements.md at main · LineageOS/charter · GitHub
/e/OS is the alternative OS Fairphone officially promote, because the vision of the OS aligns with something Fairphone would like to see (without further spending resources to make something like this themselves, as they did back in the Fairphone 2 times), and because there’s a foundation and a company behind /e/OS with which Fairphone can engage and deal in a business relationship. The latter is something LineageOS as a community project is lacking, for comparison. Fairphone and e foundation/ Murena have an official partnership in place.
You can still reduce Google dependency considerably while sticking with the stock OS.
Remove your Google account from the phone, abandon most of the Play Store Apps in favour of Open Source ones (have a look at f-droid.org), really take the time to sift through all the settings to disable a lot of things you don’t like, uninstall so-called bloatware.
Here’s some (now very old) inspiration in case you need it … Google Apps keep reinstalling/ reactivating - #34 by AnotherElk