Frequently asked questions.

You probably have a lot of questions. How can I access my checking account? Where is the nearest ATM? What even is a certificate of deposit? The good news: Most of your questions can be answered below! Rather hear from a human? Get in touch.


Online & Mobile Banking.

Online Banking

1. How do I enroll in online banking?

Ready to go? No need to wait for us. Click here or call us to get started in online banking.

2. How do I set up an automatic payment?

After you enroll in online banking, your loan will appear on your dashboard. Hit "Pay." On the next screen, select the appropriate options, then choose your desired frequency on the bottom dropdown. 

3. How do I enroll in Vibrant’s credit solution program?

We can walk you through it! Click here for an easy, step-by-step explanation.

Mobile Banking

1. How do I know if my mobile deposit was accepted?

You should receive an email confirmation!

2. Can I move money in my CD through my app?

At this time, you're unable to do that via mobile. We are happy to help you, though!

3. I just got a text message about a fraud charge. What do I do?

Reply if it was a valid transaction or not. You can also call us, and we can update the fraud case.

4. Is mobile checking free?


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

Deposits between 12 am - 10 am post at 12 pm (CT)
Deposits between 10:01 am - 1 pm post at 2 pm (CT)
Deposits between 1:01 pm - 4 pm post at 6 pm (CT)
Deposits between 4:01 pm - 11:59 pm post the following business day at 12 pm (CT)

6. What is the max amount that can be deposited each day?

The max amount that can be deposited each day is $5,000.00.


1. How do I reset my password?

It’s simple! Click here to reset your password.

2. How do I update my password?

Click here to update your password.

3. How do I retrieve my username?

Get your hands on your username by clicking here.

4. I just got locked out of my account. What do I do?

Call us, and we can help!

5. How does two-factor authentication protect my account?

A string of characters with your password just doesn’t cut it anymore! Two-factor authentication adds another protective layer to stop unwanted users. If someone tries to sign onto your account from an unknown device, they won't be able to gain access without a verification code that goes straight to you!

6. What’s a verification code?

A verification code is a temporary code sent to your phone or email. You'll take these randomly generated codes and enter them into our system to login.

7. Why do I have to verify my account every time?
If you love clearing your browser history or cookies (we’re not judging - you do you), you’ll have to continue to verify. Some antivirus programs may also affect this process.

8. What if I receive a code when I’m not trying to access my account?

Take this as your reminder to change your password! Audit your setup and ensure all steps (email code, text code, security code) are enabled to maximize your security.

9. Will I have to verify my device every time I sign in?

You should only get a code every time a new device tries to sign in or during account changes. Devices that you use all the time to access should only occasionally need to go through this!
Please note: if you clear your browser history or cookies, you’ll have to re-verify. You will have to give your device a new name each time this happens.

10. How can I view my remembered devices?

Start by logging into your Vibrant account and then hitting Settings → Security. You should see Remembered Devices on this page.

Debit & Credit Cards

1. Can I apply for a credit card with a low credit score?

Your credit score is only one of the many factors that determine approval on a loan request. Call us, and we would be happy to help with the process.

2. What is the fee for a card replacement?


3. What’s a debit card?

A debit card is your direct link to your checking account. Unlike a credit card that bills you monthly for your purchases, a debit card takes the requisite money out of your account as soon as you enter your PIN.

4. What’s a debit card pin?

Every time you swipe your debit card, you are going to be asked to enter your PIN. This is your personal identification number, and it is very, very, very important that you don’t forget it. Or give it away. Seriously. Protect it.

5. What if I forgot my debit card pin?

There may come a time that you forget that little four-digit code. No worries, just head to a Vibrant branch, and we will set you up with a new PIN in seconds.

You are going to want to re-PIN every couple of months or so. It's the best way to keep your identity safe from any nefarious individuals looking to gain unauthorized access to your account.

6. Why can’t I use my card?

There could be a block from an unknown transaction. Call us, and we can help.

7. What if I lost my card?

To report a card lost or stolen or for questions about the card, please call 1-800-MASTERCARD.

8. I’m traveling and don’t want my transactions to be blocked, how do I go about this?

Just be sure to let us know beforehand if you're traveling out of state or out of the country. You can reach us at 800-323-5109 during normal business hours. For after-hours calls, select option 2. If you're already on vacation and or are unable to call, log in to Online Banking and send us a message.

Keep in mind when traveling internationally, you must make us aware of which countries you will want to use your Vibrant Debit or Credit at.

9. How do I activate my card?

Call the number on the back of your card to get started.

10. I have bad credit. How can you help?

We have a free credit tracker in your online dashboard that can help you understand the ins and outs of your score.

11. Does Vibrant offer a free credit report?

Yes! If you’re a member, you have access to a FREE tool specifically dedicated to understanding your credit that’s built right into our online banking platform. That means  24/7 access to your credit report, a credit score analysis, monitoring, and instant offers! Click here for an easy, step-by-step explanation of how to get started.

Accounts & Billing.


1. How do I check my balance?

Check through our online banking platform or call us.

2. What’s my routing number?


3. How do I enroll in overdraft protection for my debit card?

Call us, and we’ll get you enrolled in courtesy pay. The only thing we need from you is a signature!

4. How do I enroll in SafeDraft/Courtesy pay?

Call us, and we’ll get you enrolled in courtesy pay. The only thing we need from you is a signature!

5. Is there a fee for a Certified/Cashier’s Check?


6. Do you have accounts for kids?

We don't have specific kids' accounts at this time. But you can open a savings account for a minor with a parent or legal guardian on the account! 

7. Why am I having an issue making my mobile deposit?

Log into your mobile app and go to deposit check. You have to sign the back of the check and write “for mobile deposit only.” The app will walk you through the next steps. Choose the account you want it to deposit to and the amount of the check. Then take a picture of the front and back of the check! 

8. What’s your phone number? 



1. Where can I find Vibrant’s Checking Account rates?

Visit our rates page!

2. What are Vibrant’s monthly checking fees?


3. How do I enroll in overdraft protection for my checking account?

Most accounts are set up with overdraft protection already! If you want to double-check, you can reach us at 800-323-5109. We can opt you in or opt you out with a quick signature. 


1. Where can I find Vibrant’s Savings Account rates?

Visit our rates page

2. What do I need to do to start a savings account?

Get started with a savings account here! Or, give us a call and have a valid form of ID ready. 

3. I just set up a new savings account and have not seen my money come in yet?

It takes 3-5 business days for an electronic deposit.


1. How do I enroll in paperless statements?

Give us a call, or click here to get started with e-statements. 

2. Does Vibrant offer access to Apple Pay and Android Pay?


3. Can I make a loan payment without going into a branch?

Yes! You can set up payments through your online banking dashboard.

Loans & Insurance.


1. Can I refinance my loan with a low credit score?

Credit score is only one of the many factors that go into determining approval on a loan request. Call us, and we can help! 

2. I’ve applied for my loan but haven’t heard back yet. Why is that?

Once you fill out the application, you should receive a call from one of our amazing Personal Bankers! If you haven't heard anything in 24 hours, feel free to give us a call to check in. 

3. What happens if I can’t pay my loan right now?

We might be able to help! Apply to skip a payment here

4. Can I switch my student loan to Vibrant?

At this time, we don't offer true student loans but are happy to chat about your options! 

5. Can I refinance over the phone?


6. I want to refinance. What do I do now?

Apply online, or give us a call! To make things go even faster, have your VIN number, miles, and payoff ready.

7. I just got denied for a loan. What do I do now?

We will go over the details of this with you!

8. Can I pay for my loan with another card?

We sure can. There is a $20 fee to do this, though! 

9. When will I get my loan documents?

You get your loan documents through DocuSign. Please save a copy of your documents at the time of signing.

Home Loans

1. Where can I find Vibrant’s mortgage rates?

You can find our mortgage rates here

2. What type of mortgage loan is right for me?

Every situation is a little different! Give us a call, and we can help walk you through your options!

3. If I have my mortgage with another lender, would I be able to apply for a Vibrant mortgage?


4. When should I start the mortgage process?

Start the pre-approval process early! Having a pre-approval before house hunting lets you move faster when you do find the home of your dreams. 

5. How do I start the mortgage process?

Start the application process online here. If you need any help, please don’t hesitate to give us a call!

6. How long does the mortgage process take?

Every closing is unique, so the process will vary from person to person.

7. What costs are associated with the mortgage process?

Inspections, flood search, title search, appraisal, and closing costs. 

8. Do I have to include escrow in my mortgage loan? 

It depends on the type of mortgage you’re interested in! Give us a call, and we can help walk you through your options.

9. Will my mortgage have to have Private Mortgage Insurance (PMI)?

The loan type and percentage of the down payment will help determine this!

Auto Loans

1. Where can I find Vibrant’s auto loan rates?

Click here to see our most recent auto rates.


1. How much does a quote cost?

Nothing! Click here to get started with an insurance quote.

2. How can I find more details about my insurance?

Give us a call at 309-623-4196.

3. How can I get another ID card? 

We can help! Give us a call at 309-623-4196 or email us here. If you already have a login with directly with your carrier, you should also be able to download it directly from their app/website.

4. Why did my insurance cost increase?  

This varies from person to person. Give us a call at 309-623-4196 to learn more.

5. I need to add/change a vehicle. 

No problem! Give us a call at 309-623-4196.

Branches & ATMs.

1. Where are you guys located?

We have 9 different branches throughout Illinois, Iowa, and Indiana. You can locate a branch near you here. But, with access to a digital toolkit, you'll never need to step foot in a branch! 

2. Are you doing shred days?

We do offer shred days, but they are postponed currently. You can check this page for any updates.

3. Where can I report an issue with a specific branch?

Although we hope you never have any, we know things come up! To contact us and report any issues, please click here

4. How can I cash in my coins with your lobbies closed?

Currently, our Bettendorf, Southpark, Gilbert, and Des Moines locations can help you with this! Just drive up and let a staff member know what you need to do, and they will take it from there! Our drive-thru tubes can’t handle coins, so someone will need to come out to do this swap.


1. How do I get an ATM fee reimbursement?

Open or upgrade to a Moneymaker Checking account to qualify! 

2. What is the ATM fee rebate?

We’ve got your back for up to $10 per month when you upgrade to the Moneymaker Checking!

3. Does Vibrant have any surcharge-free ATMs?

You’ve got 55,000+ options nationwide. Click here to locate one near you.

4. Where can I locate Vibrant’s surcharge-free ATMs?

Take advantage of our nationwide network of 55,000+ ATM locations here.

5. Which ATMs take my deposits? 

East Moline - 1101 13th Avenue East Moline, IL 61244
South Park - 4400 16th Street Moline, IL 61265
Milan - 371 3rd St W, Milan, IL 61264
Elmore Avenue- 5354 Elmore Avenue, Davenport, IA 52807
Geneseo - 1090 S Congress St, Geneseo, IL 61254

6. Do I need to sign my checks that I deposit at the ATM? 

Yep! If not, your deposit will be rejected and funds removed from your account. A legal copy will be mailed back to you for redeposit. 

7. Why won’t the ATM accept my debit/credit card? 

Double-check you are inserting your card horizontally. Follow the diagram posted near the ATM card reader!

8. What happens if the ATM doesn’t give me my card back?

Please stop by a branch or give us a call to get a replacement card. 


1. How do I stop an ACH payment?

If you have already released the ACH, you will need to email us with your request to cancel it and why. We need at least a day's notice.  

2. Does Vibrant report my business credit?


3. How do I log in online with my business?

For desktop: Near our member login at the top of our website, you’ll see "Business Account Login," or click here.
For mobile: Download our mobile app

4. Do I need to sign for my business loans personally?

Any owner of the business will be required to be a guarantor at the minimum. 

5. What should I prepare when looking to apply for a business loan?

This depends on how much you are requesting to borrow and what type of loan you are requesting. Typically for any type of loan request, you’ll need:
Last 3 years of your business tax returns (at minimum)
Last 3 years of all signer's personal tax returns. 
All signers must fill out and sign a personal financial statement.
From there, the list and application are more specific on the type of loan request.

6. Where can I find your Business Checking rates?

Click here to see our most recent Business Checking rates.

7. Where can I find your Business Money Market rates?

Click here to see our most recent Business Money Market rates.

8. Where can I learn more about SBA Lending and the Payment Protection Program (PPP)?

Click here to learn more about the PPP.

9. What do I need to do to update signers on my business account?

Please call us or shoot an email our way! 

10. When are my mobile deposits available?  

If you deposit before 2 pm CST Monday thru Friday, funds will be available the same day.  If it's after 2 pm CST, it will be available the next day (except holidays and weekends).  

11. Why am I getting an error of "The provided credentials do not match our records.  Please try again" when trying to login to the mobile app?  

Double-check you’re using the Vibrant Business app (different from our personal banking app). The consumer app is a white square with our logo, and the business app is purple with our logo and says business in the square.

12. What do I do if I have fraud on my credit or debit card? 

Give us a call as soon as possible!

13. Do you pull my personal credit to open a business account? Why?

Yes, It’s our policy to pull personal credit on every signer on any account, including business accounts. 



1. How long to hear back after application?

We are fully dedicated to a speedy response! You’ll receive an immediate response once your application has been submitted. Typically, you will receive a notification regarding your application status within 5-10 business days.  

2. What benefits do you offer?

Click here to check out our benefits.

3. What are your openings, and how do I apply?

Click here to check out our openings.

4. Are there opportunities to grow?

Yes! Your career path is completely your own, and we encourage our employees to explore their strengths and talents within the organization!  

5. Do we get discounts on banking products?

Yes! As a Vibrant employee, you’ll receive $500 off closing costs on mortgages and $200 on GAP coverage on vehicle loans. Plus, we get our paychecks one day early compared to banks!

6. When does benefit eligibility begin?

Benefits kick in the 1st of the month after your hire date. And our 401k program is effective the 1st of the 2nd-month post-hire.