The main purpose of this app would be to check your balances, make transfers, credit card payments.....all fine if you have an iPhone. If you have an iPod touch or a Wi-Fi iPad the App is nothing more than an advertisement platform for rates and contact information. Once installed you are referred back to the Navy Fed webpage to setup mobile. This requires a verified mobile number with no options for Wi-Fi use. It is what is is....but the App Store download page states that it is iPod touch comparable and since there are no cell numbers for any type of iPod touch this is wrong. (Needs to clarify 3G iPad only comparability as well) Maybe one day they will make a change. At that point Ill give it a 5. Sent from my disrespected iPad Wi-Fi.