I took a look at the MagicJack app on Google Play (I have android), and the very first review shown was quite positive but also mentioned that it doesn't work for verification code texts from banks, etc. So, if that in fact is the case, and that a part of what you are looking for, MJ won't meet your needs. Having said that, I know from experience that I can receive such texts on my DR phone number from my bank, but from one credit card company it doesn't work...love the consistency. Perhaps the same would be true with MJ. The calling part of their service does appear to be good at a nice low price