DL Expat Question

I haven't heard anything about this -- details, please?

And I belong to a credit union -- will that save me?

Apparently two factor identification with the second factor sent to a phone in the US is being required.

A relative of mine is frantically trying to get the SS payment changed to a wire transfer. A relative of my wife’s is going to have my wife get the code every time she needs to access her account.

How do they define "a phone in the US"? Can it just be a US phone number? When I was in Panama, I used my regular Verizon cell phone number all the time -- I ran the phone off the wifi, to call everyone back home and they could call me as well (for free). How would they know the phone isn't physically located in the US?

I am not entirely sure SL. And it seems like some banks are OK with texted codes whereas others are requiring apps that may be blocked overseas.