Bank 2 part verification

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Bank 2 part verification


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Old 11th February 2020, 05:53 AM
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Default Bank 2 part verification

I am wondering if anyone has found a workaround for this problem.

Problem - My bank uses two-part verification. I login to the bank website then they text a code to your phone and you enter the code to access your accounts. The US banks will only accept a US phone number to send the text to. I do not have a US number so I am unable to receive the access code.

I have read on the Internet that this is a common problem, but I have not seen any workable solutions.

Suggested work-arounds that do not work:

1 - use a friend's number - tried that, the lag time is too great and the code expires before I receive it.

2 - maintain a US number and use forwarding service - well ok, that would work but I don't have a number

3 - get a virtual number with SMS forwarding - that appears the best solution though it is somewhat expensive and they do not guarantee that they can forward bank SMS -text.

Has anyone found and used successfully another method?

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Old 11th February 2020, 06:47 AM
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Jake my bank NFCU does this to me sometimes but I'm given the option of either a phone message or my email so I use my email. If all else fails you might want to contact your bank and see if they can help you bypass this security check and if not I also use Gmail it has a phone and you can use your phone key board to dial or desk top computer and you can purchase the time with your credit card, 1-800 are free.
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Old 11th February 2020, 08:11 AM
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Magic Jack is pretty cheap phone service and it includes the ability to send and receive SMS, on a US number anyway.

Cost is something like $100 for 3 years and allows unlimited calls and texts to US and Canad numbers.

Other services may offer similar serves.

My Canadian banks use 2FA but will SMS my Philippine number. (Canadian Majic Jack numbers to not have SMS capability.)
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Old 11th February 2020, 10:47 AM
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Some banks don't accept overseas resistance, yours may be one. Is moving bank and option.
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Old 11th February 2020, 05:01 PM
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I use Magicjack and they do accept SMS but only if its a long phone number (i.e. 555-123-4567).
Their website says they dont accept SMS from "short" phone numbers like some banks use (i.e. Fedex sends me SMS from 46339).

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Old 14th February 2020, 08:37 AM
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Quote:
Originally Posted by JakeSaPI View Post
I am wondering if anyone has found a workaround for this problem.

Problem - My bank uses two-part verification. I login to the bank website then they text a code to your phone and you enter the code to access your accounts. The US banks will only accept a US phone number to send the text to. I do not have a US number so I am unable to receive the access code.

I have read on the Internet that this is a common problem, but I have not seen any workable solutions.

Suggested work-arounds that do not work:

1 - use a friend's number - tried that, the lag time is too great and the code expires before I receive it.

2 - maintain a US number and use forwarding service - well ok, that would work but I don't have a number

3 - get a virtual number with SMS forwarding - that appears the best solution though it is somewhat expensive and they do not guarantee that they can forward bank SMS -text.

Has anyone found and used successfully another method?
Try a Google Voice number. It may not work for all banks as I think they can detect virtual numbers and don't like them. Works great for 2FA on my credit card.

A Google voice number is free (set up G-mail first). SMS is sent to the voice number but I have that forwarded to my G-mail and get the code from the e-mail. It all happens almost instantly.

I haven't used Google Voice for calls that often (I often use FB messenger) but right now I am selling my house in Florida, and use GV to talk to my realtor, etc. It works great. Very clear.
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Old 14th February 2020, 02:13 PM
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hi Jake

Your bank is seeing an international IP address when you contact them. So for fraud reasons they want to verify this is really you by entering the code from a USA #. I had same problem with fifth/third bank when I was in the Philippines. So I subscribed to an IP website that would show my IP address being in the USA. that solved my problems.

After coming back to the USA I talked to the bank. they said if I have alerted the fraud department that I was going to be contacting them from the Philippines it would have been no problem. I still liked using the IP website. All it does is when I contact the bank it shows local IP address there.

Art
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Last edited by greenstreak1946; 14th February 2020 at 02:17 PM.
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Old 14th February 2020, 03:27 PM
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Quote:
Originally Posted by greenstreak1946 View Post
hi Jake

Your bank is seeing an international IP address when you contact them. So for fraud reasons they want to verify this is really you by entering the code from a USA #. I had same problem with fifth/third bank when I was in the Philippines. So I subscribed to an IP website that would show my IP address being in the USA. that solved my problems.

After coming back to the USA I talked to the bank. they said if I have alerted the fraud department that I was going to be contacting them from the Philippines it would have been no problem. I still liked using the IP website. All it does is when I contact the bank it shows local IP address there.

Art
Some banks are using 2FA no matter where you log in from. It will become more and more common.
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Old 15th February 2020, 04:52 AM
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It's your money Ralph, I agree with Gary, If it's that difficult then perhaps time to move on.
My bank in Oz for the last 45 years are very accomodating no matter the ask. I travel lots and always advise my bank of the country/s that I am in so my credit and debit cards work. In the philippines I have had my regular phone number for years and simply ring my bank on telephone banking and advise the new number for SMS codes, never a problem from the bank or my broker but max so far was Au 160K for a property purchase. Monthly needs from my bank or Western Union nary a problem.

Saying this I just sent 300,000 pesos to our joint account for the next few months living and Ben advised me that they deducted 200 pesos, never happened before so one of his missions today is to front the bank (yes BDO are open on Saturdays) and question the missing funds, yes a small amount but principals etc. Told him that we are prepared to find a better bank and he should relay that. LOL I wonder who's pocket that went into as it's never happened before.

While I'm not sure how US banks deal with international travellers/money transfers My Aussie bank have always secured my funds no matter the country including the US. As said it's my money.

Cheers, Steve.

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