Banking as we know it will never be the same. Remember a time when you had to visit a brick and mortar credit union branch to deposit a check or to inquire about recent account activity? I do. Now I can perform those functions and so much more using my smartphone. Maybe we all just got really old, really fast; or, financial services have undergone a transformational shift.

I side with the latter — although that doesn't make me feel any younger.

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