I haven't been rooted for a while since my last rooted device was an HTC 10 back in 2018, but at least back then I didn't have issues with my banking apps. For that though, your milage may vary depending on if your bank's app uses the safetynet API.
For Google Pay, I gave up on that while rooted because even with Magisk Hide I couldn't get it to work reliably and that's unlikely to change since the Magisk dev went to work for Google and stopped working on Magisk Hide due to it being a conflict of interest.
Other than that, apps that use Widevine DRM may not work properly on rooted devices. For example, Netflix incorporates both safetynet and Widevine so you have to sideload it since it won't allow you to install directly from the Play Store and once you do have it installed, the Widevine issue keeps video playback at 480p regardless of network quality.
As much as I am for supporting rooted devices since you should be able to do what you want on a device that you own, unfortunately it isn't really viable to run on a device that you daily. Companies want full control rather than giving you control and many of the restrictions that rooting causes has more drawbacks than pros IMO. I'd probably still root if I'm rooting a secondary device, but I wouldn't root my main phone anymore.