My bank ATM randomly sends a One-time-passcode to my mobile phone and challenges me to enter that on the ATM pinpad (in addition to my ATM pin). This is especia

My bank ATM randomly sends a One-time-passcode to my mobile phone and challenges me to enter that on the ATM pinpad (in addition to my ATM pin). This is especially true when I try to withdraw from an ATM that is not my usual location (or I guess is an ATM at a location that is internally flagged for high number of ATM fraud incidents).