In practice it seems to work fine with the banks I've tried. There may be one or two that don't accept numbers whose type is listed as "voip", but they are in the minority.

There is also work being done to update the type field of JMP numbers so they appear as "mobile" instead.

Note this is a pretty recent movement in banking security, several months or so. E.g. Wells Fargo did work previous autumn, not anymore. More can be googled.

Type field is interesting. Not sure this can pass the radars for too long though.