The whispered word among insiders is that online banking usageis flat-lining – it has peaked and it may even be losing users. Thebig winner: mobile.

But few credit unions are prepared to jump on this trend byoffering compelling, user-friendly apps. This train is leaving thestation, who's on board?

Understand this: online banking is the Baltimore Ravens offinancial services. The acclaimed champ, a fact made vivid in anAmerican Bankers Association survey that found online bankingstomping every other customer contact format in terms of userpreference.

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