When you do it online they have some sort of risk estimation thing where you provide (if I remember correctly) a credit card and a phone number. When I complete

When you do it online they have some sort of risk estimation thing where you provide (if I remember correctly) a credit card and a phone number. When I completed mine online, it said I was instantly verified, but for my wife it said additional in-person verification was required. I suspect it's because she changed her name when we got married and whatever online identity service they use has a combination of her old and new names.