What is a one-time passcode (OTP)? <p>A one-time passcode is a one-time code used to verify you are logging in through a device, which has not been registered for Online Banking. If our system determines that the device you are attempting to log in from has not been registered before, it will require the input of a one-time code. This layer of multifactor authentication helps to keep your account protected. Do not share a secure access code with anyone. Our representatives will not ask for your secure access code.</p>