I'm using BRAVE or Chrome for Banking.
I see several posts about SAFARI and on Line banking issues.
The banking website display The message to "allow cookies, popups and site cross tracking" to enter Bill Pay on the site; actually bill pay is not on the same domain so BILL PAY is selected cross tracking blocks BILL PAY. I don't really do programming so I don't know if APPLE could add the option to allow cross tracking to the settings on the Safari tab "Setting for...." Google seems to have figure how to allow it in Chrome and Brave allows you to toggle it off and on by the address bar without having to navigate to preferences.
iMac 21.5″, macOS 12.4