In a recent study, adoption of mobile banking has been increasing steadily - an average of 4.19% nationwide, with some areas seeing 10% or more members adding mobile banking to their services each month. 

Obviously with the proliferation of more affordable smart phones, we would expect to see these numbers, but there's more to it than that. With the options available for mobile banking apps on Android and iOS, in many cases a credit union's mobile banking interface will look great and work as well as if not better than the leading local competition - giving credit unions yet another edge against banks. 

With mobile deposit capture coming to these more affordable devices, people who wouldn't have a computer to make a deposit now do - in their pocket. This is an emerging marketing and can be very effective when your focus is to increase membership.