Already noted for using novel arguments in favor of moving from a credit union to bank charter, the 69,000- member $1.6 billion Technology Credit Union has also introduced a new approach into the question of how member communications in converting credit union should be handled.

NCUA regulations overseeing the charter change process require a credit union considering such a change to facilitate communications from members opposed to the change to the rest of the membership. Two members of Technology Credit Union, Robert Marinace and Carlos Rodriguez, elected to respond to the requirement and sent Technology Credit Union emails to share with other members.

But Rodriguez and Marinace said they were shocked to discover their emails arrived in members' mailboxes with tracking technology, called servlets, that allows the credit union to identify and track members who click on links for further information contained in the email.