The credit union on the Kanawha City end of the 35th Street Bridge no longer has a teller line.
It is being replaced with iPads, a cafe and a transaction center.
"We're using technology to make things more personal by eliminating as much cumbersome entry-data work as possible and allowing our personnel to focus on our members," said Linda Bodie, the credit union's chief executive officer.
"We're saying, 'Let's make the transaction process as simple as possible and let's have a conversation because that's what this is all about."
The entire financial institution has gone digital.
To celebrate, the West Virginia United Federal Credit Union is remodeling its building and has changed its name to Element Federal Credit Union. A new logo emphasizes the "me" in "Element."
"I think people assume that a financial transaction has to be complicated, a long process," said Bodie. "I personally care about the environment, about efficiencies and about the members, and I want that translated to this business.
"Paper is inefficient. It's a pain. It gets lost. We decided to digitize everything possible, to make things easier. It seemed better for the environment, for the employees. Over time we've developed as much green technology as we can."
One outcome of this philosophy is the "Element Kiosk," a touch-screen menu that allows credit union members to conduct business online from anywhere Internet access is available.
The credit union is careful to verify a member's identity, so the electronic auto loan application, for example, asks for a few details that are necessary so the credit union's staff can pull a credit report. But it is all quick, easy - and paperless. If the staff needs a photo of the member, even that is easily done by having the member snap a photo and send it using his or her iPad, smart phone or laptop.
"Often the reaction is, 'Is that all I have to do?' " Bodie said. "Members say, 'That's it?' We get that a lot. It's our 'wow factor.'"
One of the keys has been carefully thinking through what information is really necessary for a secure transaction.
"We're not going to ask you to fill out the same form 100 times," Bodie said. "We're using technology to build on personal relationships. We're not using technology to replace the person.
"We were the first institution in the entire world to develop a remote deposit capture application for the iPhone. It's called iDeposit. That was in 2009. We received some national recognition from credit union organizations. We didn't know we made history."
In June Bodie was invited to the Iowa Credit Union Innovation Summit in Des Moines. "That was a treat for me as well as for them, to have somebody from West Virginia go to demonstrate and talk about what's been done. It was a great experience."
Element Federal has 11 full-time employees and one part-time employee. Bodie said she also works a lot virtually - that is to say, using electronic devices - with "a geeky programmer" in Huntington, Stephan Looney.