Now I may be wrong, but I don’t believe there is anyway to “lock” app. I have a nationwide account and to access the app I have to either use my passcode or fingerprint to get into, also the same with PayPal. I just feel like this would be a good security feature to add considering if anyone got on your phone they could instantly transfer your money away from the app.
Little thought but I think would be a great feature
If you’ve chosen not to lock your app then they can’t transfer without pin or Touch ID, all they can do is see your transactions and move into or out of pots. But most people lock their phones so it’s not an issue
You on android or iOS?
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Damn it, thought I’d corrected my typo in time
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Hahah lol 
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I’m on iOS and have Face ID configured.
Account Tab > tap your account at the top > Personal account settings and profile > Settings
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I’m on iOS
Ok, the post above your reply tells you where to find the app lock