To begin using the new Online Banking service, you will need to setup a phone for identity verification. This provides an additional level of security beyond the challenge questions. When there is unexpected activity in your Online Banking account, such as logging in on a new computer or from another location; in addition to security questions, we may contact you at this phone number to verify certain activity and the location from which you are accessing Online Banking. To activate the feature, you will need to obtain a verification by a text or a phone call.