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Sitemap Personal Find the best account Which Vibrant account is best for you? (Quiz) Checking Savings CDs Vibrant Card Why we're better Member perks Community donations Resource center Member resources Rates Skip-a-Pay AD&D coverage for Vibrant members Find a branch or ATM SouthPark - Moline Vibrant HQ - Moline Danville, IL Vibrant Coffeehouse + Kitchen | Pleasant Valley (Iowa) Vibrant Coffeehouse + Kitchen | East Village (Iowa) Schedule an appointment Contact us Pay a loan Equipment loan Auto loan Home loan Personal loan Other products Home loans Insurance Investments Equipment payment Credit cards About We are Vibrant Events Blog & news Vibrant Coffeehouse + Kitchen Careers Current openings Benefits Core values Legal Disclosures Privacy policy Business Service Agreement Member Service Agreement Statement of Financial Condition Business Business Checking Business Savings Open a business account

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How we protect your money ​ When it comes to financial services, security is the name of the game. Our federal savings deposit insurance covers up to $250,000 for regular savings and checking accounts, even IRAs. How’s that for a little peace of mind? ​ Security The National Credit Union Administration is the federal agency that insures credit unions, much in the same way that the FDIC insures banks. They cap their coverage at $250,000 per depositor, per institution, for each account ownership category. The whole thing can get a bit confusing, but the idea is there is some wiggle room. Government protection IRAs are insured separately from your other regular accounts, with the same maximum of $250,000. This means that, between your IRA and regular checking, you can trust Vibrant with half a million of your hard-earned dollars—and maybe even more. Your retirement is covered For example, families can leverage their multiple accounts to increase their coverage beyond the $250,000 limit. If it seems complicated, don’t worry. We can help you set up your accounts to ensure you are getting optimum coverage. Using more accounts for more coverage

Yes, I'm interested! Want to save money? Sign up to receive special offers from Vibrant plus VIP access to exclusive Strikers apparel and gear. Add a Title Yes, I'm interested! Sign up to receive special offers from Vibrant plus VIP access to exclusive Strikers apparel and gear. Want to save money? Dear Strikers Family, Our ongoing partnership with the Strikers has been an amazing experience. From watching each team take the field for the first time in their Vibrant jerseys to cheering as they distinguished themselves in competition, it's been exciting to see these kids growing in skill and ability. We're proud to be a part of an organization where players learn to be their best on and off the field—and we’re excited for what comes next. Vibrant | #bevibrant As the Strikers' corporate partner, we've worked with the organization to ensure players have access to trainers, indoor practice facilities, and great new jerseys. As the new season gets under way, we'll be pitching in to provide special try-out shirts, team photos, and unique gear for our hard-working coaches. Stay tuned for more great perks

It's not a gift card. It's not a credit card. It's the Vibrant Card, and it can save you 20% on food and drinks at Vibrant Coffeehouse + Kitchen . Sign up at the Coffeehouse No annual or monthly fees The Vibrant Card works just like a debit card —j ust transfer funds to your account and go! Get great discounts at VC+K You'll always save 20% on food and drinks with your Vibrant Card. You'll also get exclusive offers like BOGOs and cash back— so watch your email. Use it wherever Mastercard® is accepted Use the Vibrant Card like a regular debit card— even add it to your mobile wallet. Feature Vibrant Card Premier Checking 20% off food and drinks at Vibrant Coffeehouse + Kitchen Yes Yes Free online banking Yes Yes Monthly service fees No No Credit pull required No No Earn interest on your balance No Yes Deposit checks No Yes Make deposits at Vibrant ATMs No Yes Maximum balance limited to $500 Yes No Can't wait for your next Coffeehouse visit to start saving? Open a Vibrant Premier Checking account in minutes. Get started now. Frequently asked questions How do I get the Vibrant Card? You'll need to stop by any of our Vibrant Coffeehouse + Kitchen locations to get started. (Ask a barista or look for the QR code on your table!) Filling out the online application takes just a couple of minutes, and you'll receive your new card in the mail within 7–10 business days. ​ Can't wait? Open a Vibrant checking account now and get the same 20% discount when you pay with your Vibrant debit card. How old do I have to be to open an account? You'll need to be at least 18 years old to get a Vibrant Card. What information do I need to open an account? You'll need to provide your Social Security Number and photos of the back and front of your state-issued photo ID or driver's license. ​ For Vibrant Card accounts, we'll verify your identity, confirm you're not a past or current member of Vibrant, and ask you to electronically sign a member service agreement. ​ For Vibrant checking accounts, we'll verify your identity, review the information provided on your application, and ask you to electronically sign a member service agreement if you're approved. How do you add money to the Vibrant Card? You can transfer funds from your checking or savings account via Vibrant online banking or from a peer-to-peer payment network like Venmo or PayPal. Get detailed instructions on adding funds . How long does it take for funds to appear on my Vibrant Card? Transfers from your checking or savings account will take from 1–3 days to appear in your Vibrant Card balance. ​ If you use Venmo or similar apps, you may be able to instantly transfer funds. You will need to have funds in your Venmo account or be able to add funds to your Venmo account to make a transfer. Vibrant has no affiliation with Venmo, and third-party fees may apply. How do I check my Vibrant Card balance? You will need to sign up for a Vibrant Credit Union online banking account to view your balance and see your transaction history. It's free and takes just moments to set up! Register now . How do I reload my card? Your Vibrant Card has a maximum balance of $500, so you'll need to top it up from time to time. ​ First, you'll need to set up your Vibrant online banking account. Once you do, you'll be able to view your current balance and your transaction history through your account or the Vibrant app. From your online banking account, you'll be able to transfer funds from a checking or savings account at another financial institution or from a payment app like Venmo or PayPal. Can I use my Vibrant Card like a debit card? You sure can—and you can even use it to get cash from the ATM if you set up a PIN. To get your PIN call (800) 992-3808. It's the Vibrant Card, and it can save you 20% on food and drinks at Vibrant Coffeehouse + Kitchen . It's not a gift card. It's not a credit card. Open an account

Take a break from your bills If you’re between paychecks or simply want some extra cash in your pocket now, Skip-a-Pay is the fast and easy way to stretch your budget. Take a break from your bills If you’re between paychecks or simply want some extra cash in your pocket now, Skip-a-Pay is the fast and easy way to stretch your budget. Apply now *By filling out this form and clicking the submit button, you agree to be contacted by Vibrant Credit Union via phone, email, and/or text message for this product or service. A Vibrant employee may follow up with additional questions. All Skip-a-Pay requests are subject to Vibrant Credit Union approval. Non-real estate closed-end consumer loans only. Email documents will arrive from DocuSign and may arrive to your Junk/Spam folder. Processing time may take 1–2 business days. This payment skip will extend the final maturity date of your loan by one (1) month. Interest will continue to accrue on the unpaid balance. All principal, interest and fees will be due at the maturity of your loan. By participating in Vibrant Credit Union’s Skip-a-Pay program, you request that Vibrant defer your loan payment(s) as indicated. You agree and understand that: 1) finance charges will continue to accrue at the rate of your original loan agreement; 2) deferring your payments will extend the term(s) of your loan(s); 3) you will be required to resume your monthly payments the following month; 4) loan must be current. The processing fee per loan is $100 for loan payments up to $200 and $180 for loan payments over $200. The processing fee will be added to the loan. Each non-real estate loan is allowed a maximum of two (2) skipped payments per 12-month period and are limited to six (6) total for the life of the loan. There must be one full payment made between skips. Loan Program loans are eligible for one (1) skip per 12-month period, after at least one initial payment on the loan has been made and are limited to three (3) for the life of the loan. It is the member's responsibility to make adjustments to their automatic payment(s). This policy is subject to change without notice. If your loan includes GAP coverage, this payment and any fees associated with it may not be covered in the event of a total loss. When you Skip-a-Pay, you pay absolutely nothing now: Your skipped payment is added to the end of your current term Processing fees are based on the amount of the skipped payment and will not be due until the end of your loan term* How it works To apply, all you need is your account number and current balance: Check your inbox for confirmation and a form from DocuSign to agree to the Skip-A-Payment terms If you use autopay, make sure to adjust any scheduled payments What to expect Anyone with a Vibrant auto, personal, or Loan Program (equipment) loan can apply if: Your balance is current Auto and personal loans: It’s been more than one payment cycle since you last used Skip-a-Pay and you've skipped fewer than 6 payments total Loan Program Consumer (equipment loans): You've made at least 1 loan payment and you've skipped fewer than 3 payments total Who can apply?

Features & benefits Plus free mobile deposit, online banking, monthly credit monitoring, and access to a nationwide network of 55,000+ fee-free ATM's. Get checking with no monthly fees Open an account Vibrant has CDs with terms ranging from 3 months to 5 years. Start earning a better rate on your savings with a minimum $5 deposit. Tiered interest rates Open a CD Get rates as low as 9.900% APR with Vibrant Credit Mastercard—plus an instant 20% discount on food and drinks every time you use it at Vibrant Coffeehouse and Kitchen . Member-only discounts Apply now Learn more Remember when people used to pay third-party vendors to see their credit score? You can track yours any time with the free Vibrant mobile apps. Monitor changes in your credit score, see how future purchases or payments will affect it, and get customized lending offers to help you save money. All this, plus mobile deposit, bill pay, and other great account management tools. Download it today for Apple or Android. See your credit score anytime you want What is a certificate of deposit (CD) and how do they work? Interest rates are rising—and that's good news when it comes to CDs. If you want to get a better rate of return on your savings without risk, a certificate of deposit is a great option. Read more > 4 tips for better money management Have high prices got you looking for ways to stretch your dollars? We’re sharing our money management best practices to help you create an inflation-proof budget and increase your savings. Read more > Vibrant named among top 50 "Best Credit Unions to Work for" Vibrant ranked #41 on American Banker's survey of the Best Credit Unions to Work for. Winners were chosen based on two employee surveys asking their assessment of their employer's leadership and planning, corporate culture, communication, and overall engagement. Read more in American Banker > New HQ captures Vibrant Credit Union's culture Vibrant's new corporate headquarters, located in a former Sam's Club building, is "by far the coolest building I've ever worked on," Russell Construction project manager Sarah Perkins told the Quad Cities Regional Business Journal. “Most banking facilities feel very banking-like … this one has an overall collaborative feeling.” Read more > Get sound advice from real people

Most(!) frequently asked questions Who can become a Vibrant member? 1. Any U.S. citizen or permanent resident of the U.S. can become eligible for Vibrant membership by joining the Illinois Consumer Council. The ILCC is a nonprofit member organization dedicated to consumer advocacy, financial education, and championing the rights of all consumers. Vibrant Credit Union will enroll you and cover costs associated with the ILCC membership. ​ OR ​ 2. You can qualify for membership without joining the ILCC if you are a U.S. citizen or permanent U.S. resident who fits into one of the following categories: You're a member of one of the associations we partner with You're a current or retired employee of one of the many businesses, professions, and/organizations we partner with within the U.S. Your domestic partner or immediate family member is a current Vibrant Credit Union member You live or work in one of the neighborhoods, communities, or rural districts defined in our geographical area: Illinois 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 Indiana Fountain, Vermillion, and Warren Iowa Cedar, Clinton, Dallas, Des Moines, Dubuque, Jackson, Johnson, Jones, Linn, Louisa, Muscatine, Polk, Scott, Story, and Warren Wisconsin Grant, Green, and Lafayette 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 . ​ What is my Vibrant routing number? 271183646 ​ You'll also find it in the footer of every page of this website! ​ How do I reset my online banking password? 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. Can I get a document notarized at a Vibrant location? Do I need to bring a witness? 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. How do I order checks? 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.) How do I get a replacement debit or credit card? 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. Where can I cash in coins? 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!). When will my deposit appear in my account? 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. What are Vibrant's current rates? We publish rates for all our products on this website. What is Vibrant's mailing address? Send all correspondence to: Vibrant P.O. Box 1550 Moline IL 61266-1550 Deposits Managing your account Does Vibrant offer accounts that would enable me to act as a financial custodian on behalf of an elderly, disabled, or minor individual? At this time, Vibrant does not offer custodial accounts such as rep payee, guardianship, or UTMA (Uniform Transfers to Minors Act). How can I add a beneficiary to my accounts? 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. How do I add a Power of Attorney (POA) to my account? 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! Does Vibrant offer trust and/or estate accounts? 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 Loans Fraud Branches What hours is Vibrant open? 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 . Where are your branches located? Use this map to find the branch nearest you, as well as surcharge-free ATMs in the area. Deposits How do I deposit a check? There are three ways to deposit a check: at a Vibrant branch, at Vibrant ATMs located at our Moline (South Park and Vibrant HQ ) branches, or via the Vibrant mobile app. Download the mobile app for Android or Apple devices. Open the app and choose DEPOSIT CHECK from the menu at the bottom of the screen. Endorse your check, along with the words “For Mobile Deposit Only.” 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.) You'll receive an email from enstenta.monitor@jackhenry.com confirming your deposit. How should I endorse a check I'm depositing via mobile deposit? When you endorse a check for mobile deposit, write the words "For Mobile Deposit at Vibrant Credit Union" above your signature. When will funds from my mobile deposit appear in my account? 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. My mobile deposit was denied—what’s the reason? 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 enstenta.monitor@jackhenry.com explaining the reason for the denial. How do I set up direct deposit? 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. When does my direct deposit show up in my 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. Why was a hold placed on my deposit? 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 I lost my debit and/or credit card! What can I do? 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 Can someone else pick up a replacement card for me? To protect your account, you will need to pick up your replacement card yourself and show government-issued photo ID. I received a call and/or text about fraud on my card. Is this legit? 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. What is the periodic finance charge on my credit card statement? 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 How do I transfer money from Vibrant to another financial institution? 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. How do I set up automatic payments? 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). How long does it take for a transfer from Vibrant to be deposited at an external institution? All electronic payments take about 3 to 5 business days to be completed. Online & mobile banking How do I set up online 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! Help! I forgot my username and/or password for online banking. 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. How do I add my Vibrant debit or credit card to my mobile wallet? APPLE Go to the Wallet app on your iPhone or iPad and tap the plus (+) sign to get started. ANDROID Go to the Google Pay app on your phone or tablet and tap the +ADD TO WALLET button. Can I use my Vibrant debit or credit card with Venmo, CashApp, PayPal, etc.? 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. Loans When is my loan payment due? 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! How much is my loan payment? 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! I received a notice about a missing title. What should I do? 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. I received a notice about auto insurance. What do I need to do? 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. Where do I send my proof of insurance? Call (800) 523-6404 or visit www.myinsuranceinfo.com . How do I access my extended warranty to make a repair to my vehicle? Call Route 66, your extended warranty provider, at (800) 808-0828. How do I start a GAP claim for my auto loan? Call Allied’s Total Loss Department at (800) 264-2372. How do I apply to skip a loan payment on my auto, personal, or Loan Program (Equipment) loan? 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. What is the fee for skipping a loan payment? 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. Fraud I received a letter in the mail from Vibrant. Is it legit? 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). I received a call/text/email about fraud on my card. Is this legit? 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. Titles How long will it take to receive my title? Vibrant has a 10-day processing period to release your title. After the title is released, it will be sent to you via mail. Can I expedite the title release process if I need it urgently for a private sale? 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.

Our values make us Vibrant We didn’t set out to write a manifesto about our organizational values. We just wanted to answer a simple question: Why do some people thrive at Vibrant, while others (equally qualified on paper!) don’t? The more we talked with the people who’d been here the longest or risen the fastest, however, the more we noticed a few qualities we all share. If you share them, too, let’s talk. Apply now They're in our core. We own every opportunity. In other words, we think a job description is just a starting point. When we see a member who needs help or a stressed-out coworker, we step in. When we see a better way to accomplish something, we try it out. If it works, we tell other people about it. We are open, honest, and authentic. We’re not afraid to speak up when we have a different opinion, and we don’t take it personally when we’re challenged. We try to be honest with each other when we disagree. Because those differences of opinion make us stronger. We are swift and relentless in the pursuit of greatness. Here’s what that looks like in action. After the Payroll Protection Program launched, our bankers worked through the weekend, fuelled by pizza deliveries and coffee, to respond to all the businesses who turned to us for help. We eventually processed more than $200 million in loans and helped save more than 21,000 jobs. We bring contagious energy. When you’re excited about the work you do, other people can't help but get a little excited themselves. That doesn’t mean you have to be an extrovert to work here. You just have to care about getting things right. We think, speak, and act for the collective good. We are mindful of all the stakeholders affected by our decisions, from our members and our communities to our colleagues and ourselves. FAQ