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Build a relationship that goes deeper than banking
Saving you money and time as you manage your organization's finances is just the beginning of what we have to offer.
Easy to use
It takes just minutes to open an account. Deposit checks from anywhere on your mobile phone. Update your signers without a trip to the branch.
Spend less,
earn more
There are no monthly fees or transaction limits on our accounts. And we offer the highest available yields on your savings.
Community first
We love to champion local causes—and we care about the people who work hard every day to make our community great. We've built a banking program especially for organizations like yours.
Values matter here—both kinds.
Which account is right for you?
Association Checking
Get checks, debit cards, free online banking, and everything else you need to manage day-to-day transactions.
Featuring
Free online banking and unlimited mobile deposit transactions
Association Savings
If you have long-term fundraising goals—like summer camp fees—a savings account is a must for your organization. With Vibrant, you'll also earn above-average interest on your balance each month.
Featured rate
1.00% APY* on balances up to $25,000
Association Savings Rates
*APY = "Annual Percentage Yield." APYs accurate as of October 1, 2024. Association Savings is a tiered account; if the account balance falls within the range for a particular tier, the dividend rate and APY for that tier will apply to the entire balance in the account. $5 Membership Share account required. Rates subject to change without notice. Federally insured by NCUA.
Average Daily Balance | APY* |
|---|---|
$0 – $24,999.99 | 1.00% |
$25,000+ | 2.00% |
Frequently asked questions
Yes. There are two reasons for this. First, it makes it easier to ensure that troop funds and personal funds don’t co-mingle. Second, with an EIN, it’s easy to transfer money management duties to new volunteers without starting over from square one.
You can apply online for an EIN. You’ll need to provide your organization’s articles of association, including dated signatures from at least two responsible parties. It usually takes between 4 and 5 weeks to get your EIN in the mail.
Vibrant makes it easy. All you need is a letter from the current signers describing who will be added as signers and if anyone will be removed. New signers can complete their paperwork online and submit it along with photos of their current government-issued ID.
If you have the volunteers available, it’s a good idea to place separate individuals in control of the checkbook, of the debit card, and of reconciling the monthly account statements.
Good question! I'll let someone else answer this one.
“Keeping up with individual popcorn sales for 20 Scouts used to be a logistical nightmare. Vibrant mobile deposit means I don’t have to run to the bank multiple times a week.”
Dave Grueman
Scouts BSA parent and troop leader
Recommended reading
Getting started
This is the most important step in setting up checking and savings accounts for your troop or pack.
How to apply for tax-exempt status
You don't have to be a 501(c)(3) organization to earn an exemption from taxes—but you do need a EIN.
Best practices for troop treasurers
Experience is the best teacher. The Northeast Illinois Council of Scouting America asked its volunteers to share what they've learned about managing money for their troops.
Fundraising
Think outside the (cookie) box
Explore unique fundraiser ideas that go beyond selling the same merch as every other troop.
Putting the fun back in fundraising
It's not easy to ask people for money—even when your goal is to raise money for summer camp or activities. Get some tips on how you can make fundraising easier for all your troop members.
Volunteer management
If volunteering was easy, everyone would do it. Here's some great advice for you and your fellow volunteer parents on setting boundaries, managing expectations, and proactively addressing issues.
Best practices for communicating with parents
They're not members—but your scouts can't participate if their parents/guardians don't participate, too. Understand where problems arise most often and how what you can do to prevent them.