Cu Times Editor-in-Chief Sarah Cooke's column of June 17, urges credit unions to upgrade their technology, especially by implementing a transactional Web site. As an example of a credit union that is not keeping up with the times, she cites "a tiny community development CU run out of someone's kitchen a few hours a week," which seems not to want to serve them once they become "more financial savvy, more profitable members"-that is, users of such a transactional Web site.

Would that it were that simple. While there are undoubtedly some very small credit unions that because of inertia or shortsightedness do not have online service, Ms. Cooke should be cognizant of the staggering regulatory overload that faces even the smallest credit union. Going live on the Internet would carry significant additional technical and regulatory challenges that are daunting to many very small credit unions.

I suppose that I hopelessly date myself by admitting that I do not do my transactional "banking" on-line. In this age of massive data breaches, it is not only my lack of "financial savvy" that keeps me in the electronic dark ages.