Can you address how, if at all, the ability of a credit union to use online or mobile banking services to serve a membership area? Specifically looking for insight to rural areas for which building a branch may not make sense.

A credit union requesting a charter for a sparsely populated area must show how it will serve the area. It is often difficult to demonstrate the ability to serve without a physical presence throughout the area unless there are unique local factors, such as residents traveling long distances to a central trade area within your service area. Rural District, online banking, mobile banking, branch, building, build, physical presence, unique factors, travel long distance, long distance, trade area, population center, community