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That's not accurate.  Some of the largest banks do not offer alternate ways and I rather drop PM than my bank.  Plus Freedom Mobile offers same/cheaper plans that include roaming in 50+ countries.  Bye bye PM.

I don't need to text, I need to receive SMS messages from companies domiciled in Canada (banks, credit cards providers, etc.).

I guess I will have to look for a different cellphone provider.  Thanks.