TALLAHASSEE, Fla. — Guy Hood's 15-year-old granddaughter can't imagine needing to visit a bricks-and-mortar location to care of a banking transaction.

After all, you can do all of that online or at an ATM, or maybe on your PDA, she figures.

Hood pointed out the attitude of a new generation as an example of how much credit unions have changed during his 39 years in the movement, including 20 years as president of the Florida Credit Union League.

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