Have you ever noticed how hard we make it to do business these days? Sign this form, mail this in, come into the branch, blah, blah, blah. If we really wanted their business, we’d make opening a new membership, certificate, or loan as easy as humanly possible. We’d find ways to satisfy the regulations we have to, but still provide outstanding service. Don’t make your members jump through hoops to do business with you. And don’t make them jump through this either.