Apple now says you have to have iPhone turned on to get iMessages on all devices?
so it happened again with the bank agin this am - phone turned off, no verification iMessage received on the iPad or computer even though at about the exact same time I received some iMessage/texts from others....  I decided to call the bank this time and not apple.  The banks response seems reasonable------

the message they send are what the guy called, short code carrier messages and bc the associated number, my cell, was turned off the message is not received and therefore cannot be synced through iMessage to other devices. Makes more sense than what apple told me.