Try using Tool #549 "New Member Online Banking Use Rpt" which lets you see trends about how long it takes for new members to try online banking for the first time.  Unless your credit union walks new members through this process while they are still in your lobby, this report will help you make sure that when you activate a new member’s access, they actually do try it by logging in.  You could follow up with these members or even set a policy to deactivate their access if they don’t log on within a certain period, to help provide an extra measure of protection for members who decide not to use online tools.