financial services, namely, a virtual wallet that aggregates information on the account holder's accounts at one or more credit unions and that is accessible via text banking through a mobile device and via an online website; transfers between the account holder's accounts at one or more credit unions and other transactions such as account balance inquiries, account transaction history and recurring transfers by accessing a virtual wallet via a mobile device and via an online website; remote deposit capture through a mobile device; virtual wallet that aggregates savings account balances from the account holder's savings accounts at one or more credit unions and scheduling transfers from the account holder's accounts to fund the savings goal and tracking the progress to the savings goal; person to person payments from the account holder's accounts at one or more credit unions to an account holder at other financial institutions; enrolling payments cards and accounts into a digital wallet to fund consumer to business payments