Checking Accounts

We have two, yes you heard right, just two checking account options. Why two? Because they are quite simply all you need. And the best part? They are both totally free. Check out your options below or optional Overdraft Protection features here.

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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.