After many hours/days of troubleshooting, I've found that the fingerprint.unlock tweak in build.prop that allows you to override entering a code in the lockscreen after a reboot kills my bank app (chase) causing it to crash when after rebooting and not using your pin to login. This also causes Google Pay to not work at NFC terminals as it relies on the bank app for payments.
I was able to resolve the issue by changing the prop value manually that forces me to use a secure method to login to the phone after rebooting, but is there some to keep the feature and spoof the technique of logging in securely?
It's more than just a mere check of the actual prop value that is the problem as all it takes to get around the issue is to edit a fingerprint sensor setting or unlock the phone with your pin, with the prop value still at zero, and the bank app will again temporarily work. It must be checking an active state of security somewhere.