Earn 3.75% APY* on your balance up to $25k.
That could add up and you won't even have to pay monthly fees or sign up for direct deposit to qualify.
No fees. No surprises.
Skip the monthly fees and minimums. Keep more of your money where it belongs.
Banking that moves with you
From mobile tools to ATM access, everything you need to manage your money confidently.
Your paycheck, but early
Get paid up to 2 days early on eligible direct deposits¹—so you can send, save or pay bills sooner.
Which account is right for you?
Premier Checking
Get a high-yield checking account with no hoops to jump through—just the high rate you deserve.
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No monthly fees
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No minimum balance required
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No minimum monthly debit card transactions required
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No direct deposit required
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Get paid up to 2-days early with eligible direct deposits¹
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Dividends paid monthly
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Federally insured by NCUA
Featured rate
3.75% APY* on balances up to $24,999.
Everyday Checking
It's everything you want in a basic checking account—nothing more, nothing less.
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No monthly fees or minimum balance requirements
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Encrypted debit transactions when using Google Pay and Apple Pay
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Dividends paid monthly
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Federally insured by NCUA
Featuring
Get payment reminders and notifications of debit transactions as they happen when you use the Vibrant app.
Checking account rates
Account | Average Daily Balance | APY* |
|---|---|---|
Premier Checking | $0 - $24,999 | 3.75% |
Premier Checking | $25,000+ | 1.25% – 3.75% |
Everyday Checking | Any | 0.00% |
*APY = "Annual Percentage Yield." APYs accurate as of May 13, 2026. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA.
Premier Checking is a tiered account. For this account the specified Dividend Rate for a tier will apply only to the portion of the account balance that is within that tier. Limit of one Premier Checking account per member.
¹ Early access to direct deposit funds depends on the timing of the submission of the payment file from your employer or payer. Funds may be made available up to two days before the scheduled payment date but are not guaranteed. Not all direct deposits qualify.
Frequently asked questions
How old do I have to be to open an account?
You'll need to be at least 18 years old to open an account online. If you're younger than 18, you can open an account as long as at least one of your parents or legal guardians opens the account with you. Schedule an appointment to talk with a banker or call 1-800-323-5109 for more information.
Do you offer overdraft protection?
All Vibrant checking accounts include Overdraft Privilege. Vibrant will automatically pay overdrafts for checks and automatic bill payments at our discretion.
You can also choose Overdraft Protection and authorize Vibrant to pay overdrafts for debit card and ATM transactions when you open your account. If you'd like to add Overdraft Protection, contact us during regular business hours or send us a secure message through your online banking account.
How long does it take for a mobile deposit to appear in my account?
You’ll receive an email confirmation immediately after your deposit is accepted, but your funds will not appear until they’ve been processed. On business days, we post deposits at noon, 2 p.m., and 6 p.m. CT. If you make a deposit after 4 p.m. or on a holiday or weekend, your deposit will appear at noon on the next business day.
How do I get a replacement debit card?
Visit a branch to order a new debit card or send us a secure message through your online bank account to request a new one. You can also call our member services team at 800-323-5109 during regular business hours.
How is interest calculated on Premier Checking?
Interest dividends are paid monthly on your average daily balance for the month. So if you have an average daily balance of $100, you'll earn the interest rate listed for that amount at the end of the month.
How often is interest paid on Premier Checking?
Interest dividends are paid to your account at the end of every month.
How does early direct deposit work?
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.
Is early direct deposit guaranteed?
No. 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.