RANCHO CUCAGMONGA, Calif. (12/14/07)--The average age of a credit union member is 47, which means credit unions must incorporate new technology to “start getting younger fast,” said Stan Hollen, CO-OP Financial Services president/CEO. Credit unions have begun using check-imaging capabilities, which 18-to-34-year-olds are adapting to, Hollen said. “Whether at the ATM, in-branch, at home, work or via kiosks, credit unions should begin deploying this technology on a large scale. Checks may be dipping in use, but they’ll continue to be a dominant payment mechanism for the future,” he explained. Check-imaging technology has a “strong youth appeal,” said David Sigal, vice president of finance for USA FCU in San Diego. “Transactions continue to grow, members are very comfortable using the technology, balancing and the image-proofing process is quick and easy, and we’ve found the cost of moving images is approximately 50% of moving paper items.” Check imaging allows consumers to place a check into an ATM kiosk, display the image on a screen and print a receipt. About 32 billion checks are written each year. Empty envelopes account for about half of all ATM fraud, according to CO-OP. CO-OP is a credit union service organization based in Rancho Cucamonga.