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This opinion piece is half of a new Credit Union Times feature Forum Focus, which will comprise opposing viewpoints on key credit union issues.

The initial predictions that branches would no longer be relevant surfaced around the time ATMs were first deployed in the early 1970s. Despite numerous predictions since then, branches continue to be an essential element of delivery strategy. At Tower, we recognize the branch network may eventually become obsolete, but until our members tell us branches are no longer relevant, we will continue to selectively expand our branch network where the demographics, location and break-even forecasts tell us it is prudent to do so.

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