AUSTIN, Texas (12/6/07)--Golden 1 CU of Sacramento has found a way to connect with members under 30--by offering free wireless banking and text messaging. Mobile banking options have drawn 10,000 mobile banking users to Golden 1, said Paul Sidhu, Golden 1’s manager of electronic commerce at the Credit Union National Association’s (CUNA) Your Essential Strategies (YES) Summit in Austin. Forty-percent of Golden 1’s mobile banking users and 30% of its 1,600 text messaging users are under the age of 30. Golden 1 has offered text-messaging access since 2000, and wireless banking since 2002. Text messaging and wireless banking allow members to view account balances and transaction history, transfer funds and pay bills. Users also can look up loan rates, branch and ATM locations, and e-mail credit union staff. The credit union provides security for users by not allowing high-risk transactions or features. “There’s no way you can save your password on the phone,” Sidhu said. In 2001, Wells Fargo discontinued its wireless program, which was limited to Palm Pilot and Sprint users. Golden 1 learned from that, and chose to use a format that works with all cell phones, allows any carrier, is easy to maintain and includes text-messaging options.