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Most(!) frequently asked questions

  • 271183646

    You'll also find it in the footer of every page of this website!

  • You can reset your password online if you have your username. We’ll ask you to verify your personal information as part of the process. 


    Forgotten your username? Hey, it happens! Just verify your personal information at the link, and you can get your username via email, text, or a voice call.

  • Some Vibrant branches do have a licensed notary among their staff, but unfortunately, it’s not a service we can guarantee will be available at all hours or at every location. If you do bring a document to be notarized at one of our branches, you will also need to bring someone with you to witness the document, as Vibrant employees cannot serve in that capacity. 

    If we’re not able to help, notary services are also frequently available at public libraries, post offices, and other government buildings.

  • The easiest way is through online banking!  


    From your browser: Log in, then go to TOOLS and select CHECK ORDERS.  


    From the mobile app: Tap the MORE... button, then select TOOLs, then CHECK ORDERS. 

    You can also order checks directly from Harland Clarke. (Remember, your routing number is 271183646. Your account number is the 11-digit number that appears at the bottom of your check, to the right of the routing number.) 

  • You can get one printed instantly at any Vibrant branch. For your security, the card holder is the only person who can pick up a new card, and you’ll have to show your government-issued ID. 

  • Vibrant has coin machines available to Vibrant members at our Moline branch near SouthPark Mall and at our Danville branch. Please visit the lobby to access the coin machine (going through the drive-thru is a good way to get your coins stuck in our tube!).

  • If you make a deposit at a branch, it will appear in your account immediately unless there is a hold on the deposit.


    If you make a deposit at a Vibrant ATM, the first $225 of your deposit will be credited to your account at the time of the transaction. The remainder of your deposit will be available within two business days, unless there is a hold on the deposit.

    If you make a deposit through the mobile app, your deposit should appear in your account by the times listed below:

    Monday through Friday (all times are CT)


    Deposit Approved                 Posted to Account


    12 a.m. – 10 a.m.                       12 p.m.

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

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

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


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

  • Send all correspondence to:




    P.O. Box 1550


    Moline IL 61266-1550

  • You are eligible to join Vibrant Credit Union if you:


    • Are a member of one of the associations we partner with.

    • Are a current or retired employee of one of the many businesses, professions, and/organizations we partner with within the U.S.

    • Are a domestic partner or immediate family member of a current Vibrant Credit Union member.

    • Live or work in one of the neighborhoods, communities, or rural districts defined in our geographical area.


    If you are not eligible through another option, you can become a member of the Illinois Consumer Council to gain Vibrant Credit Union eligibility. Vibrant Credit Union will enroll you and cover costs associated with the ILCC membership. The ILCC is a nonprofit membership organization dedicated to consumer advocacy, financial education and championing the rights of all consumers.

    *This is not a complete or exhaustive list of membership eligibility criteria. Please contact us at 1-800-323-5109 to discuss your eligibility for membership at Vibrant Credit Union or apply for membership online.

  • If you wish to qualify for Vibrant membership based on your geographic location, the following counties are within our service areas: 


    Bureau, Carroll, Clark, DeKalb, Edgar, Henderson, Henry, Jo Daviess, Knox, Lee, Mercer, Ogle, Peoria, Putnam, Rock Island, Stark, Stephenson, Vermillion, Warren, Whiteside, Winnebago, and parts of Cook County



    Fountain, Vermillion, and Warren



    Cedar, Clinton, Dallas, Des Moines, Dubuque, Jackson, Johnson, Jones, Linn, Louisa, Muscatine, Polk, Scott, Story, and Warren


    Grant, Green, and Lafayette


Managing your account

  • At this time, Vibrant does not offer custodial accounts such as rep payee, guardianship, or UTMA (Uniform Transfers to Minors Act). 

  • Connect with us through the secure messaging center via your online account or call us at 1-800-323-5109. Make sure you have the beneficiary's Social Security Number handy. 

  • To give the agent to whom you have granted financial power of attorney access to your account, send us a secure message from your online banking account or contact us directly during regular business hours.

    To complete the process, you'll need to provide a notarized financial power of attorney agreement. Get in touch if you have questions! 

  • Trust and estate accounts are limited to members who already have an established relationship with Vibrant.

    If you'd like to set up an account, send us a secure message through your online banking account or contact us during regular business hours.

ACH transfers & payments

Online & mobile banking




  • Our member contact center is available from 8:30 a.m. CT to 5:00 p.m. CT Monday through Friday and from 8:30 a.m. CT to 12:00 p.m. CT on Saturday, excluding most federal holidays

    Our branches are open from 8:30 a.m. to 5 p.m. CT Mondays through Fridays, and 8:30 a.m. to 12 p.m. CT on Saturday, excluding most federal holidays.

  • Use this map to find the branch nearest you, as well as surcharge-free ATMs in the area.


  • There are three ways to deposit a check: at a Vibrant branch; at Vibrant ATMs located at the Moline (South Park and Vibrant HQ), or Geneseo branches; or via the Vibrant mobile app.  

    1. Download the mobile app for Android or Apple devices. 

    2. Open the app and choose DEPOSIT CHECK from the menu at the bottom of the screen. 

    3. Endorse your check, along with the words “For Mobile Deposit Only.” 

    4. Choose the account where you want the deposit to go, enter the amount of the deposit, then take a photo of the front and back of the check. Submit your deposit! (If it’s before 4 p.m. CT on a business day, your deposit will appear by 6 p.m. at the latest. If it’s later, your deposit will post at noon on the next business day.)

    5. You'll receive an email from confirming your deposit.

  • Deposit Approved                    Posted to Account

    12 a.m. – 10 a.m.                              12 p.m.

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

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

    4:01 p.m. – 11:59 p.m.                      12 p.m. 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.

  • 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 only") and that it is being deposited into an account owned by all payees. It also needs to be endorsed by all payees, and be 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. 


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

  • 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. 

  • 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 $5,525 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. 

Debit & credit cards

  • First, contact us immediately so we can ensure no fraudulent transactions are approved before you get a replacement card.


    Replacement cards are $10 and can be printed while you wait at any Vibrant branch—or, if you're willing to wait 7–10 days for delivery, we can mail your new card to you

  • To protect your account, you will need to pick up your replacement card yourself and show government-issued photo ID.  

  • It depends.

    If we detect suspicious activity on your account, Vibrant will text and call you to confirm whether the transaction is legitimate. If you don’t reply to the message to confirm that it’s a legitimate transaction, we will place a temporary freeze on your card to ensure your funds remain safe.


    However, there's a common scam that has affected some of our members that you should be aware of—"spoofing." Your Caller ID may show Vibrant's name or phone number, but the call might actually be coming from a scammer. Or you may receive a text that says it's from Vibrant when it's not.


    To protect yourself, never share the following information with any unsolicited contact:

    • Your credit or debit card number

    • Your Vibrant account number

    • Your full Social Security Number

    • Your PIN

    • Your online banking username and/or password 


    In addition, if someone texts you a link and tells you to click it to confirm or deny your transaction, DON'T CLICK IT.


    Vibrant will not ask you to provide a confirmation number that we sent you to confirm a transaction, and we will never disclose the items you purchased. 


    If you're not sure whether you've received a legitimate request, don't hesitate to contact our member contact center or send us a secure message through online banking.

  • That’s the amount of interest that has accrued on your balance since your last statement. If you don’t pay your balance in full each month, you will be charged interest on the amount of your remaining balance.


    Please note—per the terms of your Mastercard account agreement, both cash advances and balance transfers will be charged interest as soon as those charges are made. Regular purchases have a grace period before interest begins to accrue. 

ACH transfers & payments

  • The easiest way is through your online account. First, link the external account where you want to send money to your Vibrant account. 


    Whether you use the mobile app or online banking to add an external account, we will verify the information is correct by making two small deposits into that external account and ask you to verify them from your Vibrant account. You’ll also receive a call from our fraud team to confirm that you wish to connect to this external account.

  • If you wish to make a recurring payment, choose BILL PAY from the main menu of either the Vibrant app or your online account.  


    Set up a payee 


    Choose ADD PAYEE, designate whether they’re a business or an individual, then whether you want to issue payment via a check, SMS, ACH (digital) transfer, or email. Enter their payment details. 


    Set up a payment 


    From the Bill Pay dashboard, choose your PAYEE, then choose MAKE A PAYMENT. Enter the amount of the payment you want to make, and choose the frequency (from weekly to annually and everything in between), the date when you want the first payment to be made, and the number of times you want to make payments (or, alternatively, the date when you want to stop making payments). 

  • All electronic payments take about 3 to 5 business days to be completed. 

Online & mobile banking

  • Go to the login drop-down in the upper right hand corner of the Vibrant website and choose “No User ID? Enroll in online banking.” Just confirm your name, birthdate, SSN, and email address, and you’re ready to go! 

  • It happens to all of us occasionally!


    It’s easy to recover this information. On the main login screen, choose the “Forgot User ID?” or “Forgot Password?” links.

  • APPLE  


    Go to the Wallet app on your iPhone or iPad and tap the plus (+) sign to get started. 




    Go to the Google Pay app on your phone or tablet and tap the +ADD TO WALLET button. 

  • Yes you can! Go to your preferred app and add your card information. In most cases, you can enter your debit card number rather than your full checking account details (routing number and account number).


    Also, if you pay through your debit card, you should not be charged an additional credit card processing fee. Check with the app for details.


  • You can see your next payment due date via online or mobile banking. Go to your account dashboard, select your loan account, and then choose ACCOUNT DETAILS. If you don’t see a due date, your next account statement has not yet been issued. Check back soon! 

  • You can view your loan payment amount via online or mobile banking. Go to your account dashboard, select your loan account, and then choose ACCOUNT DETAILS. If the payment amount is $0, your next account statement has not yet been issued. Check back soon! 

  • If you have an auto loan through Vibrant, we will need to hold the original title while the vehicle is being used as collateral for that loan. You can either mail the title directly to Vibrant, or it can be dropped off at a branch. If you purchased the vehicle through a dealership and they were responsible for sending the title to Vibrant, contact them to see if they’ve sent the title yet. 


    Our mailing address is P.O. Box 1550, Moline IL 61266-1550. 

  • While you're paying off your Vibrant auto loan, we need proof of full coverage insurance on the financed vehicle. You can share the declaration page from your insurance agent.  


    If you currently do not have insurance or have a lapse of insurance, talk to our partners at Vibrant Insurance! We may be able to help you find a great rate.

  • Call (800) 523-6404 or visit

  • Call Route 66, your extended warranty provider, at (800) 808-0828.

  • Call Allied’s Total Loss Department at (800) 264-2372.

  • You can apply online or contact our member service center if you need assistance filling out the application or have questions.

    *Skip-a-Pay qualifications are subject to change at any time. 

  • It depends on the amount of the loan payment. If yours is less than $200, the fee is $100 per skipped payment. If yours is more than $200, the fee is $180 per skipped payment. 

    The amount of the fee will be added to the end of your current loan term. You don't need to pay anything when you apply. 

    You can skip a payment on an auto or personal loan up to two times a year (non-consecutive months) if your account is in good standing and if you have skipped fewer than six loan payments during the term of your loan. 

    You can skip a payment on a Loan Program (equipment) loan a maximum of three times over the life of the loan if your account is in good standing, you've made at least one loan payment, and if you've skipped fewer than three loan payments during the term of your loan. 

    *Skip-a-Pay qualifications are subject to change at any time. 


  • First, make sure the letter actually came from Vibrant and not from a company that’s trying to sell you a warranty or loan insurance. (You can call our member contact center at (800) 323-5109 if you’re not sure.)  


    If you receive a letter from Vibrant telling you your debit or credit card has been compromised, it’s legit! When this happens, we temporarily freeze your card until you receive a new card (which will be mailed to you automatically).

  • It might be!

    Our system will automatically notify you if a suspicious transaction is attempted on your card. If you don’t reply to the message to confirm that it’s a legitimate transaction, we will place a temporary freeze on your card to ensure your funds remain safe.


    Be aware that scammers frequently spoof the names and phone numbers of legitimate businesses so that it appears a text is coming from them when it's not. Never click a link you've been texted, and never share the following information:

    • Your account number

    • Your card number

    • Your PIN

    • Your online banking username and/or password

    • Your full Social Security Number

    If in doubt, don't hesitate to contact us or send a secure message through online banking. 


  • Vibrant has a 10-day processing period to release your title. After the title is released, it will be sent to you via mail.

  • We advise against attempting to expedite the process as it may lead to unintended complications. Instead, consider alternative options such as a Bill of Sale for immediate needs.

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