Checking Accounts

Earn more with Vibrant.

We offer two types of convenient, FREE checking accounts that allow you to spend less time worrying about your finances and more time on you! Review your options below to find the right fit.

✔ No monthly maintenance fees

Access to 55,000 fee-free ATMs and shared branching

Apple/Android Pay

Free online and mobile banking

Easy remote deposit

Ready to get started?
Checking Account Comparison
Everyday CheckingMoneymaker Checking
Interest Rate/Dividend0.00%1.50% APY (up to $10,000) or 2.50% APY with a Vibrant Mastercard and use $1000 a month
ATM AccessFree usage at 55,000 worldwide ATMsFree usage at 55,000 worldwide ATMs
ATM Fee RebateNoneUp to $10 per month
Monthly Fees$0$0
Online Banking, Mobile Banking and Bill PayFreeFree
Vibrant Mastercard Debit CardFreeFree
Access to Apple Pay and Android PayFreeFree
Overdraft ProtectionEligibleEligible

APY- Annual Percentage Yield. New accounts receive first 40 checks free. Other styles available at full price; prices vary. To qualify for the 1.50% APY and ATM fee reimbursements in the Moneymaker Checking Account members must have estatements, must have direct deposit of at least $500 a month, and must have 12 PIN or signature-based transactions on their Vibrant debit card posted per calendar month to qualify. To qualify for the 2.50% APY for the Moneymaker Checking paired with the standard Vibrant Credit Card, members must use our standard Vibrant Credit Card and spend at least $1000 per month. Transactions made on the Vibrant Rewards Credit Card are non qualifying transactions.  Any purchases that are returned on the credit card will not count towards the $1,000 qualification to earn 2.50% APY. If requirements are not met, the rate will be .10% APY for total balance. If requirements are met, funds over $10,000 will be at .20% APY. Moneymaker account limited to one account per member. Federally Insured by the NCUA. Checking program details, benefits and rebates subject to change without notice.