To create exceptional banking experiences for today’s consumer of payment services, credit unions must marshal data from digital solutions.

Several emerging trends point to the continued need for free checking. Here are just a few.

Consumers want to transact in a multitude of ways: by phone; at an ATM or shared branch kiosk; inside a credit union branch; by PC, tablet or smartphone; or using an IVR system.

How does an industry built on personalized human service maintain its relevance in a data-dominant world?