The definition of “target” varies for each bank. From your list, the following would be considered target schools for high finance jobs: Wharton, Stanford, UVA and NYU Stern. For accounting, there is a much broader set of schools from which they recruit from.
Your GPA and test scores are not competitive for T20. But I think you would have a chance at some of the others.
Given your family’s finances, I honestly think your best chance is to go to community college for 2 years, knock it out of the park, and then apply for transfer to a T20.