I have spent a lot of time researching this issue. I have tried virtually every virtual US phone number option. If you simply need to receive a text, any of them will work. The problem is, especially to start service or open a credit card or bank account, many American companies use a third-party service. It requires you to have an American cell phone plan, postpaid only, with Verizon, AT&T, or T-Mobile. It needs to be billed to your US address, and you need to be making calls recently in that area. I tried a two mobile prepaid, not allowed. My friend in New York has a US cell phone on my account. I called Verizon and said I will be using that from now please connect it to my address of record in Florida. They did that. It is still not accepted by capital One Bank and others. When I visit US this year, I will reactivate my Verizon cell phone, get the accounts I need, and then discontinue it again. They not only want to protect themselves against fraud, they don’t want you living overseas.