It is no surprise that financial services providers are undergoing a major transition following the 2008 financial crisis and subsequent reforms. Many are struggling to remain relevant or even just solvent. Consumers are looking even harder at alternatives and every introduction of new fees or reductions in services only serves to hasten this trend.

Community banks and credit unions, which continue to make up the majority of financial institutions in the U.S., are on the front lines of this battle for consumers’ mindshare. With consumers’ lost faith in larger institutions, credit unions and community banks have benefited. However, as large national services firms continue to expand into a larger basket of financial products and invest heavily in branch services, the focus for community banks and credit unions needs to turn to how they can be everywhere their customers and members need them to be.

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