A one-time code is a unique code that we'll send as a (SMS) text or email. We send the code to the most recent mobile phone number and/or email you have provided to us. In order to receive these codes, customers must have an up-to-date mobile phone number and/or email address in Online Banking. For detailed instructions on how to update that contact information, visit our FAQ. Please note, a contact update can take several days to be processed. The one-time code acts as an identity check, confirming to us that it's you making the login request. The code shouldn't be given to anybody else, and we will never contact you asking for this code. However, if you initiate contact with our customer service team, we may ask for a new code at that time. Your mobile carrier’s messaging and data rates may apply.