[epacenoob]

Another Mac user here, and the inbuilt Disk Utility works fine for this.

As I'm a nosey/inquisitive IT type, I had a look around and echo what Matt said.

e.g. example here:

How to Format 32GB or Larger SD Card to FAT32 - Free and Safe

What is FAT32 SD card and how to format SD card to FAT32? Here are 5 ways to help you format SD card to FAT32 easily and safely. Follow this guide to format 32GB/64GB/128GB SD card to FAT32.

4ddig.tenorshare.com

showing either the use of a 3rd party app to do the formatting on a 64 stick:

https://fat32-format.en.softonic.com/ (do your own virus scan, definitely on anything you download from the internet)

OR
if you're happy trying a bit if very easy to write code, the first link suggests you can do it at a Powershell terminal manually, which should be ok to follow for most.

Good to see Microsoft making it easy again, ;-)