Credit unions said they tested CU Wallet in a number of pilots late last year. The credit union-owned payment system is on track to go live in as early as April 2015, CEO Paul Fiore said.

At the $440 million PrimeWay FCU in Houston, SVP Michelle Oshinski said employees easily downloaded and installed the CU Wallet app and were sent to Subway to make purchases that went off without a hitch.

"This was a breeze," Oshinski said, adding that "no employees reported discomfort with using the app."

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