Brett King and colleagues J.P. Nichols, Jim Marous and Ron Shevlin debate whether Square Cash can replace a checking account. Brett also interviews Julieann Thurlow, president and CEO of Reading Cooperative Bank, a community bank in Massachusetts, who argues that tech-savvy lenders like Sofi can draw in the lowest-risk borrowers with a fast, simple online process and shares the challenges of innovating at a community bank.