One-time passcodes are an extra layer of protection for Members who use Online Banking and the Mobile app. We may send you a one-time passcode and then ask for it when we need to verify your identity. For example, we may prompt for it when you enroll in Online Banking and the Mobile app, log in on an unregistered device, or reset your password. You can choose to have your code delivered via text message or email — whichever is more convenient for you.