Technology
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Other than the FairPhone, which you already mentioned, nothing really matches all criteria.
I’d give a nod to the Pixel line, though. Google already offers 5 years of software updates, and the next line is rumoured to get 7. Plus Google allows Custom ROM support, which makes it a fan favourite in the privacy community. Granted it’s not as repairable as the FairPhone, and it’s not as eco-friendly, but it’s decent enough.
The great thing about Google Pixel phones is indeed the ability to install GrapheneOS. More than just an alternative ROM only with GrapheneOS and a Pixel phone you can get a secure OS in terms of disk encryption and bootloader protection. Other brands and custom ROMs don't allow the that level of security that is comparable to stock Android by Google or what Apple does on their devices.
Are banking apps likely to function?
https://grapheneos.org/usage#banking-apps
Here is a list of known working banking Apps:
https://privsec.dev/posts/android/banking-applications-compatibility-with-grapheneos/