That's what eBay does to me. You get to choose, at the time of login, between entering a password and getting an email verification, or just getting an email verification. At least with the bug report I had submitted to my bank, the password requirement had to be disabled from inside a settings menu, instead of being a clear option in the login prompt, but it that case it wasn't even a 2nd factor.

>You get to choose, at the time of login, between entering a password and getting an email verification, or just getting an email verification.

Ugh, I hate this. I've seen it in other places. Just waiting for them to decide that actually it should be an SMS or a phone call...