MANHATTAN BEACH, Calif. — Talk about tech savvy. Working together, the IT, ACH and e-commerce staffs at Kinecta Federal Credit Union launched their own in-house online banking solution last year and are following it up this year with online account opening, check ordering, account-to-account transfers and a growing set of member-relationship management tools such as cross-selling alerts and targeted offers.

"Our teams work very closely here," says Juan Luna, Kinecta's vice president of IT.

Creating in-house what the vast majority of credit unions outsource has built esprit de corps, of course, but also has bolstered the bottom line at the $3.3 billion CU.

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