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Keep more of your nickels and dimes

No monthly maintenance fees. No transaction limits. No surprises.

Why choose Vibrant for business checking

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  • No monthly maintenance fees 
  • No minimum balance requirements or transaction limits 
  • Free online/mobile banking

Choose a business account that can grow with you

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Balance under $25,000

When you’re just starting out or working a side gig, but want a better way to track revenue and expenses 
Advantages 
  • No monthly maintenance fees 
  • No minimum balance requirement 
  • No fees or limits on transactions or deposits
Advantages 
  • No monthly maintenance fees 
  • No minimum balance requirement 
  • No fees or limits on transactions or deposits
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Balance between $25,000–$99,999

When you want to earn interest on your balance without the restrictions of a savings account

Advantages
  • No monthly maintenance fees
  • No minimum balance requirement
  • No fees or limits on transactions or deposits
  • Free online/mobile banking
Advantages
  • No monthly maintenance fees
  • No minimum balance requirement
  • No fees or limits on transactions or deposits
  • Free online/mobile banking
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Balance of $100,000+

When you want the earning potential of a money market without restrictions on monthly transactions
Advantage
  • No monthly maintenance fees
  • No limits on withdrawals or transfers
  • No fees or limits on deposits
  • Free online/mobile banking
Advantage
  • No monthly maintenance fees
  • No limits on withdrawals or transfers
  • No fees or limits on deposits
  • Free online/mobile banking

FAQ

Do you work with businesses outside Iowa, Illinois, and Indiana?

Yes! Thanks to our nationwide network of shared branch locations, you don’t need to be near a Vibrant branch to bank with us in person. Of course, 24/7 mobile and online banking, including online bill pay and mobile deposits, are available through our website and the Vibrant Business app (available for both Apple and Android devices). You also have access to more than 55,000 fee-free ATMs around the country. 

Is there a limit on the number of items I deposit or transactions each month?

No—Vibrant will never charge additional fees based on how often you use our services. 

When will funds from mobile deposits be available?

If you deposit before 2 p.m. CT Monday through Friday, your funds will be available the same day. Deposits after 2 p.m. and on weekends and holidays will be available the next business day.

What happens to my interest rate if my balance falls below the required amount?

Vibrant business checking is designed for maximum flexibility. Your interest is calculated based on your average daily balance and paid out monthly. 

I’m just starting out/only working part-time. Do I really need to open a separate business account?

If you’re the sole proprietor of your business (rather than setting your business up as a separate legal entity), you’re not required to maintain separate business and personal accounts—but it’s a good idea to do so. Opening a dedicated business account makes it easier to keep track of your finances for tax purposes. It also enables you to accept more forms of payment, including services like PayPal, ACH bank transfers, paper checks, credit cards, or electronic funds transfer.