I upgraded my OS on the Torch, I was having a lot of issues. I also uninstalled all user applied apps on the same day. The mobile banking disappeared from my phone that day.
I ended up replacing my phone at the AT&T warrranty store. The manager told me that on the new OS mobile banking is not preloaded. And they cant put it on, it isnt available. Complete frustration on my end! My only hope is that my bank will offer a downoad soon, I have emailed them.