@WhatEverDude
receiving 2FA text from US bank has nothing to do with whether you have roaming or not, and also has nothing to do with VoLTE whitelist or not
International shortcode text, like 2FA text from US banks, are not guaranteed., it is a hit or miss. Regular international text are ok but not shortcodes. It might work on some providers sometime and experience show it will broke sometime
only Canadian shortcode text found here are guaranteed
https://www.txt.ca/en/current-short-code-programs/
So, it is better to check with your overseas bank and see if you can receive the 2FA using other ways, such as email or authenticator app. I understand email is not an option for you, check with your US bank and arrange alternative or disable 2FA completely.
