The client and server binding will be different. The client binding will use username auth in eitehr message or transport level with transport security (ssl):
<bindings>
<basicHttpBinding>
<binding name="NewBinding0">
<security mode="Message" />
</binding>
</basicHttpBinding>
</bindings>
then the server config will use the same config but without the transport security. If you chose to use message security then check out WCF ClearUsernameBinding. If you use trasnport security (basic http) then set mode="TransportCredentialOnly".