"With SpenzaPay you can quickly and securely access your card accounts anytime, anywhere -- all from your smartphone! The application is free to download! Please note, if you are installing the app for the first time, you will need to create a new user ID and password. This is separate from your mobile banking credentials. Once you've created a secure account and have logged in, you'll be able to: * Know your account balance at all times * Monitor account activity with customized transaction alerts * View transaction history * In-app access to Visa checkout *Feel more secure & in control with Card Controls Your security is our priority. To ensure the prevention of unauthorized access and activity, mobile data transmissions and account information are protected by 256-bit SSL encryption standards--just like when you bank online! Disclaimer: Some features of the app may use the GPS function. Continued use of GPS running in the background can dramatically decrease battery life."