OP here! Dunno if I'll count as "verified" because I submitted the FML without signing up for an account. But it's all good! I'm actually glad that my bank is so thorough as I've had my debit card stolen before. This time around I was using Venmo which apparently isn't a certified merchant, or something? So they just had me confirm my personal details and it went through. Mainly FML because I was stressed that I was paying rent last minute (my own fault). All in all, everything went swimmingly, and I have added faith in my bank's ability to protect my money!