Per our security policy, users with ACH capability are required to use security tokens and IP restriction. Since iPay Biz now includes ACH capability, iPay Biz users are also required to use these security features. Security tokens generate a six-digit code to allow users into Online Banking. IP restriction rejects any access attempts from IP addresses that have not been supplied to us by the customer. IP restriction is highly encouraged, but users can opt out of the service by completing the opt-out form if they wish. Nevertheless, both features are designed to be as minimally invasive to the sign-in process as possible while simultaneously providing the best protection possible.