15 seconds really. I feel you delay the mail on purpose to force people into calling you.

I just tried to log into my account. Now the want an OPT that is supposedly send to your email with only n 15 second countdown. What nonsense is that?. Than i go into my email, with OPT to no avail. Now i need to call in for assistance. I dont think its a tollfree number. And what if i needed an urgent transaction? No man. Find better ways to validate but this is not it.