Checking

Checking Accounts that  reward 

you everyday.

Life moves fast, and your money should keep up. Whether you’re grabbing coffee on your morning commute or heading Up North for the weekend, Vibe Checking makes every swipe more rewarding, with cash back, high interest, and perks that fit your lifestyle.
 
 
 

High Yield Reward Checking. Our best account delivers its best to you.

EARN APY¹ up to
6.50%

Checking Accounts made for how you live, work, and play.

 
From daily spending to saving for what’s next, Vibe Checking Accounts keep your money moving in the right direction. Choose the account that matches your goals, and enjoy simple, rewarding banking designed around you.
 
Plus, you'll have access to these useful services:
 
  • Vibe Visa® Debit Card with Tap-to-Pay and Card Controls
  • Online & Mobile Banking
  • 24/7 account access at nearly 30,000 surcharge-free CO-OP Network ATMs
  • Bill Pay & Mobile Deposit
  • Overdraft protection options
  • Access to your funds sooner with Early Deposit2
  • Complimentary credit score monitoring
 
 
 

Cash Back Reward Checking

Earn 2.00% Cash Back on your monthly debit card purchases, up to $10 each qualifying month3.
Additional Details:
  • No opening balance or minimum balance requirements
  • Receive up to $20 per month in non-Vibe ATM fees
To Qualify:
  • 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, each a minimum of $5, posted and settled during the monthly qualification cycle (POS or PIN-based)

1. APY = Annual Percentage Yield. 2. Early Deposit - 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. 3. 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. Rewards Checking accounts are not subject to $1 fee for every checking account ATM withdrawal over their 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. 

 

High Yield Reward Checking

Earn 6.50% APY on balances up to $7,500 each qualifying month3.
 
Additional Details:
  • No opening balance or minimum balance requirements
  • Receive up to $20 per month in non-Vibe ATM fees
To Qualify:
  • 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, each a minimum of $5, posted and settled during the monthly qualification cycle (POS or PIN-based)
1. APY = Annual Percentage Yield. 2. Early Deposit - 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. 3. 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.
 
 

Vibe Vision Checking

Build financial stability with a BankOn Certified Checking Account3.
 
Additional Details:
  • $25 minimum opening deposit
  • $5 monthly maintenance service charge
  • Access to GreenPath™ Financial Services
  • No NSF fees
  • Direct Deposit not required
  • No debit card transaction minimums
  • eStatements available

1. APY = Annual Percentage Yield. 2. Early Deposit - 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. 3. A $5.00 monthly maintenance fee will be assessed to the checking account on the first day of each month. A five-business day hold will be applied to check deposits 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. ATM check deposits are restricted. Online or mobile banking registration is required at account opening. Members will be charged $1 for every ATM withdrawal over their allotted 6 ATM withdrawals per month. Mobile deposit and shared branching is restricted. 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.































Your Checking Questions, Answered.

Most debit cards can be instant issued 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 day.
If your Vibe debit, credit or ATM card is lost, stolen or compromised, please call us at 248-735-9500.
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. 
Early Deposit does not require enrollment. Early Deposit means we’ll make your paycheck available as soon as we receive it, which can be up to two days early. Just know that the timing is set by your employer, so early availability is not guaranteed. 
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.
Vibe's routing number is 272483808.