Before I sat down to write about the life changes of credit union branches, I had to do one thing I haven't done in a very long time … visit a branch of my own credit union. As usual, the staff were great, it was painless, and I even saw some of those millennials that people say only do their banking through their mobile device. I was wondering how the branch would change in the next few years or how it will need to adapt to the changes going on in our industry, especially with the new Capital One commercial talking about its Capital One Café concept.