Credit Union Mobile Banking Debut of The Week:  "We are gearing this to a younger membership. We are ahead of the curve, that's where we want to be," said Christopher White, a senior vice president at Waltham, Mass-based RTN FCU, a $720 million institution with 37,000 members. 

"Members have been asking us for mobile banking and remote deposit capture – we are giving them both.  But we are doing more," said White.

That "more" is the interesting bit, as RTN – after looking at various mobile banking solutions – opted to go with Portland, Ore.-based Tyfone's multi-layered mobile wallet. It includes mobile banking but also builds in the ability to buy gift cards and, additionally, the smartphone can be used to make purchases at large national retailers such McDonalds J.C. Penney and Rite-Aid, said White.