You can deposit a check in three ways:

• At any Vibrant branch

• At a Vibrant ITM

• Through the Vibrant mobile app using Mobile Deposit

To use Mobile Deposit, simply endorse your check, select Deposit Check in the app, and follow the prompts to submit photos of the front and back of the check. Once submitted, you'll receive an email confirmation when your deposit is received.

When you endorse a check for mobile deposit, write the words "For Mobile Deposit Only." above your signature.

Deposit Approved                    Posted to Account

12 a.m. CT – 10 a.m. CT                   12:15 p.m. CT

10:01 a.m. CT – 1 p.m. CT                 2: 15 p.m. CT

1:01 p.m. CT – 4 p.m. CT                   6:15 p.m. CT

4:01 p.m. CT – 11:59 p.m. CT            12:15 p.m. CT on next business day

We do not post deposits on Saturdays, Sundays, or federal holidays.  

One thing to remember—the time you submit a mobile deposit is not necessarily the same time that it is "accepted." You'll receive an email once we have reviewed your mobile deposit and submitted it for posting.

If your check is not accepted for mobile deposit, you should receive an email from enstenta.monitor@jackhenry.com explaining the reason for the denial.

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It could be as simple as an unclear photo—make sure your camera lens is clean, put the check in front of a dark background, and try again! 

If that doesn’t help, make sure the deposit amount you’ve entered matches the amount of the check. Also, make sure the written amount of the check (“XX and xx/100 dollars”) matches the numeric amount. 

Make sure all payees have endorsed the check (along with the words "For Mobile Deposit at Vibrant Credit Union") and that it is being deposited into an account owned by all payees. It also needs to be endorsed by all payees and deposited into an account owned by all payees.  

Make sure the amount of the check doesn’t exceed your daily deposit limit (you’ll find that number under the DEPOSIT AMOUNT field in the app). 

Finally, checks that are expired or were issued more than six (6) months ago will not be accepted—ask the payer to replace the check if this is the case. 

Contact your employer, brokerage, or other entity that issues you a recurring check to let them know you’d like to set up direct deposit. They’ll ask you for your routing number (that’s 271183646 at Vibrant), account number, and account type (checking or savings). Once they’ve set up the information, you should see your next check direct-deposited to your account.

Your direct deposit will appear in your account when Vibrant receives it. If your employer has sent the deposit but you don’t see it, contact them to verify the routing number, account number, and account type (checking or savings) they have on file for you.

Open a Vibrant account and set up direct deposit with your employer or benefits provider. Early access happens automatically for eligible deposits. We post your funds as soon as we receive payment instructions—which may be up to two days before your scheduled payday.

Timing depends on when the payment file is received. Early access isn’t guaranteed and depends on when we receive the payment file from your employer or payer. Not all direct deposits are eligible for early access.

In general, we try to make any funds you deposit available to you on the same business day (as long as you make the deposit before 4 p.m. CT). In certain situations, however, we will place a hold on the deposit until we receive confirmation from the financial institution that issued the payment. The most common reasons for this are: 

• Your deposit totaled more than $6,725 in a single day 

• Your total deposit was larger than the balance available in your account 

• Your account has been opened within the last 30 days 

• The deposited check comes from an out-of-state financial institution 

  
  

If you need the funds immediately, make sure to ask when the funds will be available at the time you make the deposit.