State Employees Credit Union of Maryland President/CEO Rodney Staatz, representing CUNA, greets Subcommittee Chairman Shelley Moore Capito of West Virginia at a hearing in April on the soon-to-open Consumer Financial Protection Bureau.

Remember the days when banking was always done face-to-face? It may seem like a distant memory, but there was a time – not that long ago – when banking was conducted when people walked into a branch.

Today, of course, Americans live in a 24/7 environment. They no longer want to be constrained by traditional “banker’s hours.” As a result, they expect their financial organizations to meet their needs by conforming to their schedules, rather than the other way around.

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