Less than a minute is also short enough that the bank can simply deny a second login attempt during that time without causing any inconvenience to you.

Absolutely. i got your TCP segment with data on your WIFi, and sent a TCP RST from a location with the lower overall latency - so both your SSL connection got reset.

While you hit "reload", I establish the connection and login.

Your attempt is the second login attempt. As you propose, it's denied.

Your next steps, while I am changing your contact email and other info ?