The latest, shiniest innovation can be all the rage among credit unions, but the proof ultimately lies in actual member usage.

Digital Federal Credit Union acknowledged it didn't know what to expect when it launched DeposZip, a remote-deposit capture service in March 2008, said Denise Gonthier, administrative services manager at the $4 billion cooperative in Marlborough, Mass. That same year, DeposZip was created by Eastern Corporate Federal Credit Union to allow consumer and business members to electronically scan the checks they receive and transmit them for collection.

"It has really exceeded our expectations," Gonthier said. "The biggest success is when people are using the service."

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