[lenerdenator]

Your little credit union lacks the capital to have automated systems handle more complicated stuff... for now.

Used to work at a bank that had a few local branches as a teller when I was a senior in HS. Had old, antiquated technology but had a "person on the phone whenever you needed help".

I'm going to guess that the bank that bought them out was quite a bit more advanced, and the banks that do the same will be buying out the less advanced ones.