Do U.S. banks, etc. care if your two factor authentication number is from a different state

[Jingthing]

than your U.S. address on record?

Or even if you've never lived in the state of your phone number for the 2FA?

 

Why am I asking?

I'm exploring a new 2FA idea but can't get a number matching the area or even the same state as my U.S. address on record.

 

I'm wondering if people have had experience with this and whether banks would care?

 

[save the frogs]

from my experience, different banks operate differently.

one bank only uses local numbers, so you cannot use an international number for the 2 step authentication. 

so their solution is to advise when traveling and de-activate it.

 

other banks had different protocols. I suggest you call your specific bank. 

 

[Jingthing]

47 minutes ago, save the frogs said:

from my experience, different banks operate differently.

one bank only uses local numbers, so you cannot use an international number for the 2 step authentication. 

so their solution is to advise when traveling and de-activate it.

 

other banks had different protocols. I suggest you call your specific bank. 

 

Well different state is an entirely different issue than different country.

Also the last thing I would want to do is red flag my accounts beforehand. I seriously doubt any bank would initially reject any non Voip US number. But if an issue came up I can imagine them asking questions. I have in the past have had non matching numbers and addresses but that was pre 2fa.

 

[save the frogs]

other possibilities:

some banks do the verification through email or questions , which can be done from anywhere.

or some banks have authentication apps. the authentication code is sent to the app, not your phone. which is not location specific.

 

[Jingthing]

9 minutes ago, save the frogs said:

other possibilities:

some banks do the verification through email or questions , which can be done from anywhere.

or some banks have authentication apps. the authentication code is sent to the app, not your phone. which is not location specific.

 

I'm talking about when you do need a non VoIP US number and also not Google Voice which is often rejected.

[frantick]

I have a MN area code. I retired from there and moved to SD before I moved to Thailand in 2020. Never have an issue with 2FA for 2 US banks; Wells Fargo and Ally, or any internet application, ie Wize, Google, Hotmail, SSA, etc. 2FA requests. 

 

I do keep my US address updated across the board as I've had to change it a couple of times due to family events. 

 

Good luck in your quest. 

[Jingthing]

Thanks for the responses.

However, a bit of egg on my face, it turns out that I can get a number with my desired matching area code.

But the original question might be of interest to some.