What actions will trigger the 12-hour cooling period?

A 12-hour cooling period may apply when you make certain security-sensitive changes to your account. This includes:

• Adding a new payee
• Increasing your transaction limits
• Turning off transaction notifications
• Updating your contact details (mobile number, email, or mailing address)

During this time, these changes will only take effect after the cooling period ends to help keep your account secure.