Every time you log in to the OFX secure website or mobile app, you will need to provide two sets of information for user authentication - your login credentials (username & password) and a verification code. The verification code will be sent via SMS text message to the registered mobile phone number on your OFX account once you have submitted your login credentials. This verification code is only valid for 3 minutes and every time you attempt to log in we send you a new unique code. With this extra level of protection, the security of your OFX account is significantly improved as your login credentials alone is no longer enough to access your account.