I've had this problem with my bank trying to send authorization codes. I HAD a US phone number but it doesn't work in Uruguay so I couldn't get any authorization codes (solution: get a credit card for a different bank).
I thought MAYBE I could solve the problem by getting a Skype-In number but then I read the fine print and my bank will only send authorization codes to "valid" US numbers which excludes any web based numbers. So - no Skype In for me.
Now I can't even use the cell number I had with AT&T because they disconnected it without notice due to them phasing out 3G. So now I have NO US phone number to enter on the return, which is apparently needed to eFile. At least I have a few months to sort it out.
