For what it's worth, depending on your Photoshop skills, I have had some success in attenuating the banding manually [ most prominant over large bodies of water, as you said ] by creating a selection via the Select > Color Range... option in Photoshop, based on the output of bands B8A and/or B11 ( actually, I was using the Moisture Index, which is a combination of both ), where the banding is most visible [ which makes it easier to create a selection ].

Once the strips you want to alter are selected, then you can switch back to the true color image [ presumably sitting on its own layer ], and use the selection thus created to alter the contrast / hue-saturation / color balance / curves / etc., to match adjacent strips better.  ...It's not the best, but it kind of works, as far as I can tell.

Note: If you are good with Photoshop, an alternative method, in lieu of creating a selection via the Color Range option, is to simply use either the red, or the green, channels of the Moisture Index bands — which have the most contrast, ergo the most visible banding — as a layer mask to a Curves adjustment layer.  ...The advantage of Curves is that one can adjust contrast, as well as shift the hue and saturation, all in one adjustment layer ( by adjusting the R, G, B channels of the curves adjustment layer, individually ).  This would be the most precise method, overall.  The blend mode of the curves adjustment layer can also be changed from "normal" to "luminosity" should you wish to keep saturation unaffected.

Finally, another option, in Photoshop, is to use the Blur > Surface Blur... filter [ no prior selection necessary ], and then use the history brush, afterwards, to paint back the areas of land that might have been altered by the surface blur.  The negative, with this method, however, is that you do lose detail over the water areas.

Note: Obviously, all this presumes you are only interested in maximizing the esthetic uniformity of the true color satellite image, not in scientific accuracy.

Addendum: It might be possible to feed the manually fixed images into an AI algorithm to teach it to remove the banding automatically.  But, that's a whole different ballgame! ☺


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  [1]: https://i.sstatic.net/6R7x1.jpg
  [2]: https://i.sstatic.net/CzSS9.jpg