It may be hard for some to fathom that in today's world, there are people who still use a dial-up service to access the web, drive for 20 minutes to get cash from the nearest ATM or don't have any financial institution branches in their communities.

While that's the daily reality for people who live in underserved rural or semi-rural areas, consumers who are unbanked or underbanked in many communities across the nation also face financial challenges. 

What all of these consumers have in common, however, is that most of them own a mobile phone, and credit unions are leveraging mobile banking to not only meet their financial needs, but to improve their financial lives.

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