Only two financial institutions are left on the planet: one bank and your credit union. You are surrounded by nothing but Gen Yers, aged 14-34. The law requires every person to start a lifelong financial relationship today with either your credit union or the bank. And-get this-whichever institution a person joins, that person is required to use the products, programs and services of that institution for the rest of their lives.

You, being a wise manager, have been planning for this day. You’ve beefed up your marketing staff. Your credit union has become wired when it comes to social networking. Your website has been redesigned, and features the requisite youth emphasis. You offer smart phone banking apps, text alerts if a person is about to overdraw an account, Twitter alerts on loan specials and more. For once, your credit union is ready and staffed for the biggest day in its history. Good for you.

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Peter Westerman

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