To prove credit union membership limits are too lax, Banc One lobbyist Steven Stivers set out April 2 to see how many of the nonprofit institutions he could join in one day. Of the five Ohio credit unions he approached, three made him a member even though he had no ties to their primary membership groups.

Two institutions, First Service Federal Credit Union in Groveport and Columbus Metro Federal Credit Union, said Mr. Stivers was eligible because he is a member of the Army National Guard.

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