Which is a difference between credit unions and consumer banks?

Credit unions cannot offer access to Automated Teller Machines (ATMs).

Credit unions are not open to all members of the public.

Credit unions cannot offer electronic bill payment.

Credit union accounts are not insured by the federal government.

Credit unions are not open to all members of the public is a difference between credit unions and consumer banks.

Explanation:

The term Credit Union refers to a financial body that is similar to a bank but is owned and controlled only by its members. It has a member-oriented nature. Credit unions work similarly to consumer banks but not entirely similar as it provides higher interest rates than the consumer banks.

Since credit unions are member-owned, therefore, they also have a non-profit nature which is opposite to most of the banks. Credit unions do not provide much convenience as they don't provide and mobile apps and other features. The biggest differences between the two is that credit unions are not open for everyone in the public but only to the few members.

Answer: Credit unions cannot offer electronic bill payment.

Explanation: just because that is true and the passage is talking about how you cant electronic bill payment