Frequently asked questions

If you do not find the answer to your question below, don't hesitate to get in touch.

Debit Card Help

Using a debit card is easy. Knowing exactly what it is can be tricky. Whether you just forgot your PIN or want to get into the fine print, we can hook you up. We’ve got all sorts of information to make understanding your debit card as easy as swiping it.

Debit card 101

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.

Speaking about PINs

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.

PIN contingency plan

That being said, mistakes happen, and there may come a time that you forget that little four-digit code. No worries, just come into a Vibrant branch and we will set you up with a new PIN in seconds.

As a matter of fact, you are going to want to just go ahead and re-PIN every couple months or so. This is the best way to keep your identity safe from any nefarious individuals looking to gain unauthorized access to your account.

Taking a bite out of identity-theft

In addition to changing your PIN, there are few things we do on our end to make sure your money isn’t being stolen out from underneath you. One of the big things is denying transactions that seem suspicious. For example, if you are a member in Quad Cities and your card is charged from a convenience store on Staten Island, then that is going to raise some red flags. We take care of canceling all those transactions from our end.

That being said…

What if you are visiting family on Staten Island and just wanted to grab a soda from the local gas station? No problem, just be sure to let us know when you are traveling out of state, or especially out of the country. Otherwise, we will assume that a hacker is trying to use your money for a pick-me-up.

Need more debit card help?

You can contact us anytime or drop in at any of our locations for some facetime with our knowledgeable staff.

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