Just talked to a customer service rep and he said that the official live version of the app will start a staged rollout starting at 8pm EST this evening. The app will need to be updated to the live version. And he said the adding of cards to the system could be hit or miss until the morning during the rollout. Also said they will work to get more banks online. The MST part needs extra security from the banks to Samsung so it can be a bit more complicated than just using NFC like Android Pay and Apple Pay. So banks will have to jump through an extra hoop but should be well worth it. I am hoping anyway as my bank is a local one and not a national one.