Only tangentially related but I'm a Canadian but have been on a US Cell provider (AT&T) for over a decade now because its cheaper, especially when I used to spend a lot more time roaming in the US. The number of Canadian companies that fail silently when sending SMS to US numbers is too damn high.

My bank is one of those with Verified by Visa. Thankfully I've figured out that using the Voice option instead of Text will work but still that silent failure is really annoying.