The last column asked, Do you need a tablet app? This week, a trio ofcredit unions weighs in with responses to that question. All havesignificant experience with tablet apps and their opinionsaccordingly carry substantial weight.

Case in point: Live Oak, Texas-based Randolph-Brooks Federal Credit Union, a $5.2 billioninstitution with 410,000 members, where Senior Vice President MaryO'Rourke said in an interview, “The surprise to us is howquickly the tablet apps have taken off with our membership.”

“Every day, we have 3,200 members coming in through tablet apps.In 2012 alone, we saw $250 million transferred by members usingtheir tablets. We want to be available 24 hours a day to ourmembership” – Randolph-Brooks' bedrock membership has a militaryconnection and thus may not be a 9 to 5 crowd – “and mobile apps,on phones and tablets, let's us do this,” said O'Rourke.