I have used voip.ms for years. The basic plan costs approx 1 usd/m with no contracts, etc. and any messages received can be forwarded to and responded from email.
Nice try but this won't work with a lot of security providers.
Lookup APIs are available to identify line type and most will specifically reject voip numbers. The more obstinate providers I have encountered (some banks for example) will actually have a real human place a call to any number provided at sign up and reject it if they can't verbally talk to you.
It supports voice as well at this price - I use it with Linphone to receive and place calls plus I was also able to setup a forward rule where any calls to voip.ms numbers will be forwarded to my cellphone. Edit: you are right though that plenty of providers reject it as being a voip number.
Ah... I sense a very lucrative, low-ethics business model in providing "cheap one-time virtual [phone] numbers" to be used for security-sensitive purposes.
I went a slightly different route --- an old spare phone with Ultra Mobile PayGo prepaid SIM. For $3 per month you get 100 minutes of voice, 100 texts and 100 MB data per month.
The reason for this is that some security providers throw a little kink in the works by actually making a call to verify your number on sign-up.