AmeriaToken is a secure mobile application that provides Ameriabank customers a one-time password authenticators for Ameriabank Online Banking transactions, eliminating the need to carry a hardware token. AmeriaToken increases your mobility and comfort of banking 24/7. Online banking provides you two-layer security of your identity: the first factor is the username/password for online.ameriabank.am; the second one is the one-time password (OTP) that is generated through AmeriaToken app that can be used just once and is valid for a limited time specified on the screen.