She was only 7 years old, but Lynette Smith remembers watching the historic March on Washington on television on Aug. 28, 1963, with her family.

Its estimated that consumers spend at least two days per year waiting in line for services at retail environments. This cross-market frustration, spurred on by the preferences of the Gen Y consumer, is leading credit unions to transform branch operations, with an emphasis on providing interactive, self-service options.

Massachusetts credit union was early adopter of remote deposits, has now processed more than $1 billion so far.