<p>"It's the transactional element of checking accounts that keeps them the primary determinant of a consumer's PFI. Unlike the share accounts, the checking account is the one where money is constantly going in and out of. It's the one consumers monitor." – Tim Smith, director of credit union strategic marketing, Harland Financial Services. "I didn't have a heck of a lot of respect for what they were doing…It didn't impress me very much." – CUNA Chairman Barry Jolette, president and CEO of San Mateo Credit Union in California, on CUNA's activities and organization prior to the Renewal process. "We will not be bank-like in appearance or function." -</p> <p>Whitefish Credit Union CEO Charles Abell on the CU's approach to its products and services menu.</p>