Downloadable software in the nature of a mobile application for opening bank accounts, managing bank accounts, conducting financial transactions, and accessing financial information; downloadable software in the nature of a mobile application for ordering checks, stopping payments on checks, electronic check conversion and remote deposit services, electronic transfer of money, electronic bill payment, electronic loan payments, viewing bank account information, viewing investment account information, viewing credit and debit card transactions and information, searching and downloading transaction history for financial accounts, adding information in the form of memos to deposit and cleared check transactions, and monitoring financial transactions; downloadable software in the nature of a mobile application that allows users to monitor bank account activity in real time and to contact a bank representative directly; downloadable software in the nature of a mobile application that allows users to temporarily freeze debit cards to prevent unwanted purchases or withdrawals if the card has been lost or stolen and unfreeze debit cards to resume normal activity; downloadable software in the nature of a mobile application which enables users to locate and receive navigational directions to locations at which financial services are provided; downloadable software in the nature of a mobile application which enables users to set, manage, and receive alerts delivered to the user when certain conditions are met as a result of bank account activity, credit and debit card activity, or other financial account activity