If you already have a Vibrant account, complete the enrollment process by confirming your identity and then choosing a username and password.
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.
No! You can check your credit as many times as you like without worrying that you’ll negatively impact your score.
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.
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.
You’ll receive an email confirmation once your deposit has been accepted.
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.
Yes. You cannot deposit more than $5,000 in a single day using remote deposit.
vibrantLive is available during our regular business hours (8:30 a.m. to 5 p.m. Monday through Fridays, and 8:30 a.m. to 12 p.m. on Saturdays). During busy periods, you may have to wait a few minutes for a member specialist or personal banker to become available.
To connect, you'll need a computer or smart device with a camera, microphone, and reliable internet connection. In addition, you'll want to contact us from a private location so that others don't overhear any confidential information. Find a space that is quiet and well-lit so that we can clearly see and hear you during our session.
For maximum account security, we must be able to see and hear members before we can complete transactions. If you don’t have the necessary equipment, you can visit a designated vibrantLive room at these branches:
Ask a member of our branch staff to help you get connected.
You'll need to verify your identity either by showing a government-issued ID or by answering a series of questions. You’ll be able to electronically sign any documents during the session—no emails required.
Please note: If you have questions about multiple accounts with different owners, you’ll need to make a separate call for each.
You can use Google Chrome, Microsoft Edge, Firefox, or Safari to access vibrantLive.
First, make sure the device you're using has a front-facing camera and that it is turned on. Your device won't connect to vibrantLive without a working camera.
Next, make sure you don't have pop-up windows blocked.
If you are still having trouble connecting, you can either visit one of the branches listed below to use the designated vibrantLive room, or download the Vibrant mobile app to your smart phone and connect via the app.
vibrantLive rooms are available at these branches:
Don't worry! If you're not in an area where you feel comfortable sharing personal information aloud, vibrantLive has a secure chat feature that enables you to share information with your personal banker by typing it.
We've put together some basic guidelines about common scams to watch out for and how to tell a genuine Vibrant team member from an imposter. You can read them here.
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.
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.
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.
Yes. Log in to your online account, select “Settings,” and then select “Security.” Look for the list of “Remembered Devices.”
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
Our card replacement fee is $10.
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.
You will need to visit a Vibrant branch or call 1-800-323-5109 to create a new PIN.
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
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.
While we don’t offer accounts specifically for kids, you can open a savings account for a minor with a parent or legal guardian as co-owner of the account.
Our mailing address is:
Vibrant Credit Union
P.O. Box 1550
Moline, IL 61266-1550
Review each of the three credit bureaus (Transunion, Experian, Equifax) to verify how your account is reporting. Once done, refer to Disputing Errors on Your Credit Reports | Consumer Advice (ftc.gov) to start a dispute with the bureaus that are reporting the issue.
A creditor has 30 days from the date the dispute is submitted to provide an answer to the bureau. It may take 30-60 days for a change to be reflected on your report.
Your proof of insurance can be uploaded to Simple, Secure Insurance Verification | MyInsuranceInfo or sent via email to docsend@FMQ.alliedsolutions.net.
You will receive your tax bill from the county for your own records. Vibrant will receive a copy of your tax bill as well.
A full breakdown of what we pay out in the year will be available to you in your escrow analysis letter sent in November. If you have questions before then, give us a call at 800-323-5109 and we will be happy to help!
Vibrant should still be listed as Mortgagee. If we are, we will be notified by your new agent with your new policy. We will then pay out your new premium amount for you.
We STRONGLY encourage you to place any refund check you get from your previous insurer back into your escrow account.
Give us a call at 800-323-5109 so we can better assist you!
Vibrant has a 3-day rescission period from the date of closing. This period gives the borrower the option to cancel the loan if they would like too.
The loan will fund on the fourth day after closing, not counting Saturday or Sunday.
You will be able to see your HELOC on your online banking. You will be able to transfer to your checking or savings account using the transfer widget.
Contact us at 800-323-5109 or come into a branch to get your HELOC closed out.