This is our business account so we're moving anywhere from $20k to $200k at a time. In the spirit of adaptive security, someone moving $100k will probably be f

This is our business account so we're moving anywhere from $20k to $200k at a time. In the spirit of adaptive security, someone moving $100k will probably be fine dealing with a couple extra password / 2fa prompts... but I agree it would be annoying to deal with this for day-to-day (consumer) bill pay. A bank could throw fewer roadblocks when paying a $500 invoice vs. a $50,000 invoice The workflow I described also is part of a dual-approval model where a finance person sets up the transfer and it's approved by a 2nd person (who's presented with a bunch of authentication/password/2fa prompts, almost to a fault). But again, I'm fine with it because it's large amounts of money in corporate bank accounts. But yea, agreed it would be annoying and should be toned down in a consumer use case.