[ThePowerOfFuet]

Then it sounds like changing bank is a better answer for many.

[snappieT]

This oversimplifies the situation - if every US bank uses SMS and you want to retain a US bank, what do you do?

[ThePowerOfFuet]

That's such a huge "if" that an alternative immediately came to mind:

TransferWise doesn't require a US phone number, but you can have a US account number with them.