Credit union services; banking and financial services, namely, checking accounts with debit card services, issuing prepaid debit and reloadable stored value cards, share savings accounts, banking services featuring the provision of share certificates including regular and IRA savings certificates, credit card transaction processing services and consumer lending services, vehicle loans, recreational loans, boat loans, personal watercraft loans, education assistance lines of credit, home equity loans and lines of credit, mortgage loans, commercial lending services, business account deposit services in the nature of electronic remote check deposit services in checking and savings accounts; bill pay services; phone and mobile banking services; electronic banking via a global computer network; ATM services; automated financial clearing house (ACH) services; direct deposit services, namely, direct deposit of funds into customer bank accounts; special assistance and disaster relief assistance in the form of unsecured loans, deferred auto loans, mortgage lending and credit card transaction processing services; online-banking services; checking account services; checking account services for members 55 years of age and older