When a branch on Water Street in Manhattan flooded in 2012, McGraw-Hill Federal Credit Union saw the damage as an opportunity to get creative.

The branch underwent a transformation, the results of which the East Windsor, N.J., institution revealed in March: a high-tech financial wellness center. Alongside the ATMs and tablet-bearing salespeople, the credit union installed touchscreen kiosks running software meant to inspire people to think about their financial goals.

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