High Yield Reward Checking

Turn your everyday purchases into real rewards.

Make the most of your daily spending and unlock a strong reward rate with a few easy-to-meet requirements.

Our best account delivers its best to you. Plus, get $20 in ATM fee refunds1 each month.

EARN APY2 up to
6.50%

The tools you expect, built right in.

Let your checking account do more for your money.

With Vibe’s High Yield Reward Checking Account, you can earn 6.50% APY on balances up to $7,500 and enjoy up to $20 per month in ATM fee refunds. It is a simple, rewarding way to make more from your everyday spending.

Monthly Reward Qualifications
 
  • Have at least one (1) ACH credit or debit transaction posted to your checking account per monthly qualification cycle
  • Sign on to Online or Mobile Banking at least once per monthly qualification cycle
  • Sign up to receive electronic statements
  • Post at least 18 debit card transactions ($5 or more) during the monthly qualification cycle (either point-of-sale or PIN based)
Additional Account Details
 
  • No monthly service fee or minimum balance requirements
  • Early Deposit available with Direct Deposit
  • No insufficient (NSF) funds fees 
  • 24/7 account access at nearly 30,000 surcharge-free CO-OP Network ATMs(Opens in a new Window)
  • Person-to-person payment services
  • Access to electronic Bill Pay
 
1. 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, no dividends or rewards will be applied. Balances over $7,500 do not earn dividends. Rewards Checking accounts are not subject to $1 fee for every checking account ATM withdrawal over allotted 6 ATM withdrawals per month. New member must qualify for membership and deposit $5 in a Vibe Savings Account. All new accounts are subject to ChexSystems and standard credit check. Limit one per primary account holder, personal or business. 2. APY = Annual Percentage Yield.







Get Paid Sooner with Early Deposit.

  • As soon as Vibe receives your upcoming payroll info, we make your funds available up to two (2) days early!
  • Early Deposit is automatic for members with direct deposits, including payroll, Social Security, and retirement income.
Early Deposit is not guaranteed. The money we release early is temporary until we receive the final payment from the sender. If the payment does not go through, the early deposit may be removed from your account. In that case, the sender is not considered to have officially paid you yet. 

Your built-in safety cushion. Overdraft Protection.

Available Options:
  • Courtesy Pay
  • Overdraft Transfers
  • Line of Credit Transfers

We offer overdraft options that help you stay secure and avoid unnecessary stress, giving you added confidence whenever you use your account.

 










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"Whenever I need Vibe Credit Union, they always come through".
David M.












Your Checking Questions, Answered

Most debit cards can be issued instantly at all Vibe branch locations. You may also contact us at 248-735-9500, and we can order a new card that will arrive within 7-10 business days.
To setup Direct Deposit, simply enter your account number and the Vibe routing number (272483808) in your employer's payroll system. You may also provide a completed Direct Deposit Authorization Form found in our Switch Kit, to your employer or other payroll entity. 
Rewards will be posted to your account on the last day of the month. 
In order to download the Vibe Credit Union mobile app, you need to be enrolled in Online Banking first. You can enroll by following these steps:
 
  1. Click the "Login" button at the top of any page
  2. Click "New User"
  3. Fill in the requested registration information, then click "Complete Sign Up"
  4. Make sure you have your phone handy! We'll either give you a call or text with a one-time passcode to verify it's you. Do not give this passcode to anyone. Simply enter it on the secure login page to access your account. 
Once you've completed your Online Banking registration, you may then download and begin using the Vibe Mobile Banking app. 
Checks deposited through Mobile Deposit are typically made available the second business day after the deposit. In some cases, such as new accounts or business accounts, funds may not be available on the second business day. We do reserve the right to extend the hold on funds at any time, however, you will be notified via text in these instances. Additional information about check hold policies can be viewed in our Funds Availability Disclosure. 
To help you switch automatic payments, transfers or deposits to your new checking account, we created a Switch Kit to walk you through, step-by-step. 
If you're running low on checks, you can place an order here. If you're placing a first-time check order, please contact our Connection Center at 248-735-9500.