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How to enable second-factor authentication (2FA)

When you use 2FA, you’ll automatically receive a verification code via text or email when you try to log in to your Vibrant account. Before you can access your information, you’ll have to enter that code into your smartphone or browser. 

 

2FA verification codes are set to expire within 10 minutes, and they change every time you request one by logging in.  

Log in from your browser or use the Vibrant mobile app (available for Apple or Android). 

Step 1: Log in to your Vibrant account.

For mobile app users 

  1. Select MORE from the options listed across the bottom of the screen. 

  2. Select FULL SITE. 

  3. Select TOOLS. 

  4. Select SETTINGS. 

  5. Select SECURITY. 

  6. Go to the section labeled TWO-FACTOR AUTHENTICATION. Toggle the switch to the right from OFF to ON. 

Step 2: Access your security settings.

7. Choose the channels through which you prefer to receive your verification code (text, email, voice call). 

8. To protect yourself against fraudsters, or if you have any reason to believe your security may have been compromised, we also recommend deleted any remembered devices connected to your account. Scroll down to the section labeled REMEMBERED DEVICES. 

If you have any remembered devices listed, select the TRASH CAN icon to the right to delete them.

Now scroll down to the section labeled PUSH NOTIFICATION REGISTERED DEVICES.

If you have any registered devices listed, select the TRASH CAN icon to the right to delete them.

For browser users 

  1. Select TOOLS. 

  2. Select SETTINGS. 

  3. Select SECURITY. 

  4. Go to the section labeled TWO-FACTOR AUTHENTICATION. Toggle the switch to the right from OFF to ON. 

  5. Choose where you want Vibrant to send your verification code (text, email, voice call). 

  6. To protect yourself against fraudsters, or if you have any reason to believe your security may have been compromised, we also recommend deleted any remembered devices connected to your account. Scroll down to the section labeled REMEMBERED DEVICES. If you have any remembered devices listed, select the TRASH CAN icon to the right to delete them.

  7. Now scroll down to the section labeled PUSH NOTIFICATION REGISTERED DEVICES. If you have any registered devices listed, select the TRASH CAN icon to the right to delete them.

  • Contact us during regular business hours, and a member of our team will walk you through the process. 

  • NO! A real Vibrant employee will never ask for your verification code. You’re talking to a scammer—and if you give them your verification code, they can take over your account. 

  • Unfortunately, yes. Scammers may find your login information through a data breach, on the dark web, or through other phishing tactics.

     

    Two-factor authentication (2FA) offers additional protection, but it's not foolproof. A common scam is to try bypass 2FA by pretending to be a legitimate caller who wants to verify your identity by sending you a security code, which they'll ask you to read back to them. If you tell them the code, unfortunately, they can use it to log in from their device.

  • Log in to your account and go to Settings, then choose the Security tab. Toggle the on/off switch next to Two-Factor Authentication to ON to require a second security code via email, text, or voice call (you'll have the option to choose the method that works best for you any time you log in). 

  • Legitimate organizations, including the IRS, your local tax assessor, or your financial institution, will never ask you to provide payment via  a gift card, prepaid debit card, or wire transfer. If you get a a call demanding immediate payment and they want you to use one of these payment methods, it's a scam.

     

    In addition, a legitimate caller will never threaten to alert law enforcement, immigration officials, or other authorities to collect a debt. 

  • Contact us immediately to report the incident. We’ll place a fraud alert on your account and help you reset your login information. (And no, we won't ask you to tell us your new password.) 

  • If you call our Member Contact Center, we’ll ask you to verify your identity by asking you a series of questions. The answers will NEVER include: 

     

    • Anything more than the last 4 digits of your debit or credit card 

    • Any security or verification code you receive via text or email 

    • Your account or routing number 

    • Your complete Social Security Number  

    • Your account password  

    • Your PIN

Frequently asked questions

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