Get your non-O in USA. Fly in, open bank account asap, deposit the 800k, once seasoned apply for 12 month extension at immigration. Ask them for the last of what documents they want.
when you log in it gives option of using card reader or pass number. But you have to have been given one. I was sent one but always use card reader. I take 2 with me when travelling.
No. There's a special Pass number. But I take my card reader with me. It's your usual way of logging in on line same as you do at home. But if you make payments that need a text confirmation you click "didn't receive it" and it gives option of email instead.
I use Nationwide, they have options for verification other than text message. I don't use my Lloyds account cause they only use texts. So I log in as usual and do banking with Nationwide.