Unfortunately there is a perception for many young consumers that the large national banks offer the best mobile banking services. In a recent BankChoice Monitor survey of consumers shopping for new checking accounts on FindABetterBank.com, 36{91edff4ab0179c213d4d62ccb73735ad51d636906a6f58336791bd911b76df7b} of shoppers say they must have mobile banking with their next checking account – and shoppers under 30 are more than twice as likely to require mobile banking compared with shoppers over age 60 or older.

The good news is that mobile banking functionality offered by both dedicated vendors and core systems vendors is getting much more full-featured and more affordable. One core systems provider, CU*Answers, even offers mobile banking via browser for free to its members as part of its core package. CU*Answers` It’s Me 24/7 service allows access to a mobilized version of online banking via mobile devices. Members can pay bills, check balances, transfer funds and do other essential mobile banking tasks.

However one important piece of digital functionality is still missing for the majority of credit unions: mobile (and online) appointment booking capabilities. The “Big 4” money centers banks are all currently offering the ability to book mobile and Web appointments with their branch staff.

Key Takeaway: Better Branches Mobile Appointment Tool Module, which is the first appointment tool designed specifically for credit unions, is very affordable and available right now. Virtually any credit union can be up and running quickly with this easy-to-use tool which helps level the playing field with the big players.