Power up your purchases with 2.00% Cash Back on monthly debit card purchases, up to $10*, as a Cash Back reward bonus per qualifying month. No monthly service fees or minimum balance requirements. Stay on top of your balances and bills from anywhere using our Mobile Banking App or Online Banking.

What’s included:

• Vibe Visa^® Debit Card with Tap to Pay
• Online and Mobile Banking
• 24/7 account access at nearly 30,000 surcharge-free^†† CO-OP Network ATMs
• Bill Pay
• Mobile Deposit
• Early Deposit**.

You’ll also be refunded up to $25/month in non-Vibe ATM fees on qualifying months.

To qualify for Cash Back Reward Checking:

• One ACH credit/debit transaction must be posted to the checking account per monthly qualification cycle.
• One sign-on to Online Banking or Mobile Banking per monthly qualification cycle.
• Must be enrolled in eStatements. 
• 18 debit card transactions posted during the monthly qualification cycle (POS or PIN-based).

If requirements have not been met for the month, the Cash Back Reward Bonus will not be earned for that month. This is a non-interest-bearing account.

*New members must qualify for membership and deposit $5 in a Vibe Savings Account. All new accounts are subject to ChexSystems and/or standard credit check. On qualifying months when all requirements have been met, the Cash Back reward bonus and non-Vibe ATM fee refunds will be credited to the member’s share savings account. If all requirements have not been met for the month, the Cash Back Reward Bonus and non-Vibe ATM fee refunds will not be credited for that month. **We cannot guarantee that you will receive the Early Deposit due to unanticipated circumstances. ACH operating rules provide that credit given by Vibe to you for ACH credit entries is conditional until Vibe receives final settlement for the funds. If Vibe does not receive final settlement, Vibe is entitled to a refund by you, in the amount credited to your account in connection with the entry. The party that originated the payment to you shall not be deemed to have paid you. ^††Rewards Checking accounts are not subject to $1 fee for every checking account ATM withdrawal over their allotted 6 ATM withdrawals per month. APY = Annual Percentage Yield.

Aim higher and earn 6.50%^APY on balances up to $7,500 and 0.02%^APY on balances over $7,500 with Vibe’s High Yield Reward Checking^†. No monthly service fees or minimum balance requirements. Stay on top of your balances and bills from anywhere using our Mobile Banking App or Online Banking.

What’s included:

• Vibe Visa^® Debit Card with Tap to Pay
• Online and Mobile Banking
• 24/7 account access at nearly 30,000 surcharge-free^†† CO-OP Network ATMs
• Bill Pay
• Mobile Deposit
• Early Deposit**.

You’ll also be refunded up to $25/month in non-Vibe ATM fees on qualifying months.

To qualify for High Yield Reward Checking:

• One ACH credit/debit transaction must be posted to the checking account per monthly qualification cycle.
• One sign-on to Online Banking or Mobile Banking per monthly qualification cycle.
• Must be enrolled in eStatements. 
• 18 debit card transactions posted during the monthly qualification cycle (POS or PIN-based).

If requirements have not been met for the month, 0.02%^APY will be earned for that month.

†New members must qualify for membership and deposit $5 in a Vibe Savings Account. All new accounts are subject to ChexSystems and/or standard credit check. Interest dividends will be credited to the High Yield Reward Checking account monthly. On qualifying months, non-Vibe ATM fee refunds will be credited to the member’s share savings account. If all requirements have not been met for the month, the High Yield Reward Bonus and non-Vibe ATM fee refunds will not be credited for that month. On nonqualifying months, the checking account balance will earn 0.02% interest and will be credited to the checking account for the nonqualifying month. **We cannot guarantee that you will receive the Early Deposit due to unanticipated circumstances. ACH operating rules provide that credit given by Vibe to you for ACH credit entries is conditional until Vibe receives final settlement for the funds. If Vibe does not receive final settlement, Vibe is entitled to a refund by you, in the amount credited to your account in connection with the entry. The party that originated the payment to you shall not be deemed to have paid you. ^††Rewards Checking accounts are not subject to $1 fee for every checking account ATM withdrawal over their allotted 6 ATM withdrawals per month. APY = Annual Percentage Yield.

Start fresh with Vibe’s Vision Checking. This no-minimum balance account will earn you 0.02%^APY* and unlock access to:

• Vibe Visa® Debit Card
• Mobile Banking and Online Banking
• GreenPath™ Financial Services
• No NSF Fees
• 24/7 account access at nearly 30,000 surcharge-free^† CO-OP Network ATMs for cash transactions
• Bill Pay
• Early Deposit.**

*New members must qualify for membership and deposit $5 in a Vibe Savings Account. All new accounts are subject to ChexSystems and/or standard credit check. A $25.00 opening deposit is required. Debit cards will arrive via mail after account opening. A $5.00 monthly maintenance fee will be assessed to the checking account on the first day of each month. Mobile deposit and shared branch banking are not available with Vision Checking. ATM cash deposits are permitted, ATM check deposits are restricted. Courtesy Pay is not available with Vision Checking. Online or mobile banking registration is required at account opening. All checks must be deposited to the Vision Checking account. A five-business day hold will be applied to entire check deposit during the first 30 days of the new account period. After the 30-day new account period checks will be subject to funds availability holds, the first $225.00 of aggregated daily check deposits will be made available. After 12 months of positive checking account history, the account may be eligible for review, by member request, for a checking account upgrade. ^†Members will be charged $1 for every ATM withdrawal over their allotted 6 ATM withdrawals per month. **We cannot guarantee that you will receive the Early Deposit due to unanticipated circumstances. ACH operating rules provide that credit given by Vibe to you for ACH credit entries is conditional until Vibe receives final settlement for the funds. If Vibe does not receive final settlement, Vibe is entitled to a refund by you, in the amount credited to your account in connection with the entry. The party that originated the payment to you shall not be deemed to have paid you. APY = Annual Percentage Yield.

We are excited to offer tap to pay technology on our Vibe Visa® Debit Card. 

Check out Visa's website for more information!  

Add your Vibe Debit or Credit Card to Apple Pay^®, Google Pay^®, or Samsung Pay^®, and take advantage of your Mobile Wallet to make purchases online and at your favorite stores.

Important things to know about your Mobile Wallet:

• The digital account number that appears in your Mobile Wallet is different from your existing 16-digit card number to help keep your information secure.
• You can use your Mobile Wallet to pay for things both in-store and online.
  • When paying in-store, use your phone, smartwatch, or tablet to open your Mobile Wallet and select your card. Then tap your device to the contactless terminal. 
  • When paying online or in-app, select your specific Mobile Wallet and then log in to purchase. 
• Your existing Vibe card number has not changed and can still be used for everyday purchases.

If you have questions, please call/text us at 248-735-9500.

Making the switch to Vibe Credit Union is a breeze with our simple process. Get started with three easy steps: Vibe Credit Union Switch Kit

For all new accounts, new direct deposit designation or new bill pay set up, please use Routing Number: 272483808. If you have questions about the Routing Number, please call/text the Connection Center at 248-735-9500.

Running Low on Checks? Order Here
First-Time Check Orders:  please call our Connection Center at 248-735-9500 to order your first set of checks.