One-Time Pin (OTP) is a layer of security to protect your account and mitigate any potential financial loss by fraud. A OTP pin is a system generated code that is required to complete certain types of processes or transactions. Every time you submit an external transfer request, you will be required to get and enter the OTP code. The first time you log into your Online Banking account, you are required to enroll in OTP to establish your desired options for receiving the OTP. The OTP can be sent as an automated call, text messages or email.