Online Banking

How do I enroll in online banking?

If you already have a Vibrant account, complete the enrollment process by confirming your identity and then choosing a username and password.

How do I access free credit monitoring?

If you’ve already enrolled in online banking or use the mobile app, log in and choose “More” from the main menu. Then select “Credit Score” and tap “Launch.” You’ll be asked to read and accept the Terms of Service, and then you’ll automatically be taken to your personalized dashboard, where you can access your credit score, your credit report, and special offers.

Will checking my credit report affect my credit score?

No! You can check your credit as many times as you like without worrying that you’ll negatively impact your score.

How do I set up an automatic payment?

If you’re setting up a payment for a Vibrant loan or credit card, you can choose “Pay” from your dashboard. On the next screen, select the appropriate option, then your desired payment frequency.

What is Skip-a-Pay and how do I sign up?

Vibrant members can choose to skip a monthly payment on their Vibrant auto loan, personal loan, or credit card up to two times a year (non-consecutive months only).

The cost of the service is $100 for minimum payments up to $200 and $180 for payments above $200. Get more information or request Skip-a-Pay.

Mobile deposit

How do I know if my remote deposit has been accepted?

You’ll receive an email confirmation once your deposit has been accepted.

How long does it take for a mobile deposit to appear in my account?

If you make a deposit between 8 a.m. and 4 p.m. CT on a regular business day, it will appear in your account by 6 p.m. that day. If you make a deposit after hours or on weekends and holidays, your deposit will post by noon on the next business day.

Is there a daily maximum on mobile deposits?

Yes. You cannot deposit more than $5,000 in a single day using remote deposit.


I got a text message about a fraudulent charge. What should I do?

If you receive a message about a potentially fraudulent charge, let us know whether you recognize the transaction by replying to the text or calling us at 1-800-323-5109.

I got locked out of my online account. What do I do?

Listen, it happens to everyone occasionally. Call 1-800-323-5109 to reset your account. We can also confirm your username and reset your password.

Why do I have to use two-factor authentication?

It’s far easier for thieves to get their hands on your user name and password than on your actual mobile device or email account. When you log in, we confirm that it’s really you by sending a verification code to your phone or email that you will need to enter to access your account. 

You’ll be asked for a verification code when you’re logging in from a new device or making changes to your account information. As long as our system recognizes the device you’re using—and you haven’t cleared your cookies or browser history—you likely won’t be asked to go through this extra step.


Can I check to see which devices my account is set up to recognize?

Yes. Log in to your online account, select “Settings,” and then select “Security.” Look for the list of “Remembered Devices.”

I received a verification code, but I’m not trying to log in. What should I do?

An unauthorized person may be attempting to access your account. Change your password immediately. You will be sent a new verification code when you do. Contact us if you have additional questions.

Debit & credit cards

How much does it cost to replace my card?

Our card replacement fee is $10.

How often should I change the PIN on my card?

We recommend changing your PIN every few months to protect against fraud or theft. You can change your PIN at an ATM, through your online banking account, or by visiting a Vibrant branch.

What do I do if I forget my PIN?

You will need to visit a Vibrant branch or call 1-800-323-5109 to create a new PIN.

What should I do if I lose my card?

You should immediately contact 1-800-MASTERCARD (1-800-627-8372) to ensure no unauthorized charges are made to your account. They will be able to take care of issuing your new card.

How do I keep debit or credit transactions from being blocked while I’m traveling?

To protect your account against fraudulent charges, we may block transactions that originate from outside your geographic area. If you plan to travel or are already on the road, you can call 1-800-323-5109 to let us know. (After 5 p.m. and on weekends or holidays, choose option 2 from the voicemail menu.) You can also log in to your online banking account and send us a message.

Banking with Vibrant

Do I have to meet certain qualifications to become a member?

Membership is open to anyone in the United States, regardless of where they work or where they live. All you need to do is open a savings account and make a $5 deposit.

Can a minor open a Vibrant account?

While we don’t offer accounts specifically for kids, you can open a savings account for a minor with a parent or legal guardian on the account.

Where can I mail my loan or credit card payments?

Our mailing address is:

Vibrant Credit Union

P.O. Box 1550

Moline, IL 61266-1550