Frequently asked questions

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

FAQs about our name change

FAQs about online banking change

Debit card help


FAQs about our name change

Why did you change your name?

We wanted a name that reflects our growing community membership.  We believe in being a vibrant part of our community—we feel this new name will offer a wider welcome and convey some of what makes Vibrant Credit Union unique.

Has DHCU been bought or sold?

No!  We’re Vibrant and growing - building three new branches in 2015 and two to three branches each year for the foreseeable future.   

Has my account number changed?

No, you have the same account number today as you did yesterday.

Was there a special membership meeting and vote for the name change?

Yes, we posted the required notifications of the March 24th meeting at 5pm. We had a quorum in attendance and the vote to change our brand from DHCU Community Credit Union to Vibrant Credit Union was unanimous.

Why are you leaving your affiliation with John Deere?

Deere Harvester Credit Union  was started 80 years ago by 8 factory workers of the John Deere Harvester Works Plant. In 2005, John Deere requested the credit union to rebrand and remove any name/affiliation with the John Deere brand. At that time we changed from Deere Harvester Credit Union to DHCU Community Credit Union (an acronym without a meaning).

When will the branch signs change?

Over the next several weeks we will be removing the legacy signs within our branches in preparation for a complete signage change the last week of April and the first week of May.

How will you be communicating information related to the new brand?

We have sent a letter from the President to all members via USPS mail. We will be sending frequent emails over the coming weeks updating membership on the new Vibrant Credit Union brand. We will have a link from our homepage to a FAQ section for members and the public to seek information.

Can I still use my DHCU checks?

Yes - Our routing number and your account number has not changed. Your legacy checks will still work.

Will my debit/credit card still work?

Yes. Your credit card/debit card will still function the same. Over the coming months we will be reissuing new Vibrant Cards.

Are the Employees or Board of Directors changing?

No, the Employees and Board of Directors will remain the same.

Will the credit union be changing phone numbers or email addresses for staff?

The main phone number 800-323-5109 will remain the same. Emails will change May 4th to reflect

I have automatic deposit coming from another institution to the credit union.  Will I need to inform them of the new change?

No, our routing number and your account numbers remain the same, so there is nothing for you to do. Your deposits will take place as normal.

I have an automatic withdrawal from my credit union account to another financial institution. Will I need to inform the other institution of the name change?

No, it will be seamless to the other financial institution since we are not changing any account numbers, only the credit union's name.

Will online banking change?

We plan to roll out new and improved online/mobile banking in late May or early June. A series of communications related to the new online banking will be coming out over the next couple of weeks.

Will my deposits still be insured up to $250,000?

Yes. We still remain insured by NCUA. NCUA has approved our name change. Your deposits are still protected.

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FAQs about online banking change

Will my mobile banking app still work?

Depending on your device settings, your mobile banking app may be updated automatically. If it isn't, you will need to manually update the app. 

What happened to the Mobile Deposit app?

One of the benefits of our new online banking system is the consolidation of our mobile apps. Members are now able to make deposits and view all of their accounts from a single app. 

Will I have to change my username?

Nope, your username will remain the same. 

Will I have to change my password?

For the safety of our members, online banking passwords will have to change. New passwords must be a minimum length of 8 characters and must include upper and lower case letters as well as numbers. 

Will my security question change?

Along with a new password, members will have to change their security questions as well. These added security measures will ensure the safety of all our members' sensitive information. 

Will my account alert settings remain the same?

Account alert settings will have to be reset in the new system.

How will the new system affect Quicken, Mint, or other third-party budgeting apps?

Personal finance and budgeting apps will need to be reset with the new system. 

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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 on in to 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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