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Earn 4.00 APY* on your checking balance up to $24,999
That could add up to nearly $1,000—and you won't even have to pay monthly fees or sign up for direct deposit to qualify.
The closest branch is as near as your phone
No monthly fees
No minimum balance required.
24/7 mobile banking
Deposit checks, pay bills, and keep track of your credit score from your smartphone.
So many perks
Get ticket discounts and VIP access at Vibrant Arena, special offers from Vibrant Music Hall, 20% off at Vibrant Coffeehouse + Kitchen, plus much more.
Premier Checking
Get a high-yield checking account with no hoops to jump through—just the high rate you deserve.
Featured rate
4.00% APY* on balances up to $25,000
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No minimum balance required
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No direct deposit required
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No minimum monthly debit card transactions required
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Encrypted debit transactions with Google Pay and Apple Pay
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Federally insured by NCUA up to $250,000 per account holder
Everyday Checking
It's everything you want in a basic checking account—nothing more, nothing less.
Features
Get payment reminders and notifications of debit transactions as they happen when you use the Vibrant app.
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No minimum balance requirements
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Encrypted debit transactions when using Google Pay and Apple Pay
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Federally insured by NCUA
Which account is right for you?
Frequently asked questions
You'll need to be at least 18 years old to open an account online. If you're younger than 18, you can open an account as long as at least one of your parents or legal guardians opens the account with you. Schedule an appointment to talk with a banker or call 1-800-323-5109 for more information.
All Vibrant checking accounts include Overdraft Privilege. Vibrant will automatically pay overdrafts for checks and automatic bill payments at our discretion.
You can also choose Overdraft Protection and authorize Vibrant to pay overdrafts for debit card and ATM transactions when you open your account. If you'd like to add Overdraft Protection, contact us during regular business hours or send us a secure message through your online banking account.
You’ll receive an email confirmation immediately after your deposit is accepted, but your funds will not appear until they’ve been processed. On business days, we post deposits at noon, 2 p.m., and 6 p.m. CT. If you make a deposit after 4 p.m. or on a holiday or weekend, your deposit will appear at noon on the next business day.
You can get one printed instantly at our SouthPark, Vibrant HQ, or Danville branches. For your security, the card holder is the only person who can pick up a new card, and you'll have to show your government-issued ID when you do.
You can also have a new debit card mailed to you. Contact us during regular business hours or send us a secure message through your online banking account to make your request.
Interest dividends are paid monthly on your average daily balance for the month. So if you have an average daily balance of $100, you'll earn approximately 33 cents in interest at the end of the month.
Interest dividends are paid to your account at the end of every month.
Checking account rates
$ 0 – $24,999
4.00%
Premier Checking**
Any
0.00%
Everyday Checking
Average Daily Balance
APY*
$25,000+
1.50% – 4.00%
*APY = "Annual Percentage Yield." APYs accurate as of April 1, 2024. **Premier Checking is a tiered account. For this account the specified Dividend Rate for a tier will apply only to the portion of the account balance that is within that tier. Limit of one Premier Checking account per member. $5 Membership Share account required. Rates subject to change without notice. Federally insured by NCUA.