Our intent was to help generate some buzz, some curiosity on the part of your membership.  Members who are interested in higher levels of security will call your credit union, giving you the perfect indicator as to the importance of adding these new features to your online banking services.  Don't be afraid of it, but do be prepared to have a conversation with interested members.  It is every credit union's responsibility to be constantly diligent about online security and to put these concepts in front of members every chance you get.  We're just trying to help you do it even more!