holders and $4 million of assets -- hardly a candidate, it would seem, to offer Internet banking services. But customers at the Newport News, Va.-based nonprofit can hop on the Internet to apply for loans, check their balances, and transfer funds from one account to another.

"Small credit unions can't be on every block," said chief executive officer Janet L. Harris. "You can't have 27 million branches. By going virtual, we became accessible to our members everywhere."

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