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Banking solutions for nonprofit organizations
No monthly fees
Hey, you’ve got more important things to spend your troop’s money on than banking.
24/7 mobile banking
Deposit checks anywhere, anytime, from your smartphone.
Annual givebacks
We love the difference you make in our community—so we'll make an annual bonus donation to your group based on your activity throughout the year.
Fundraising opportunities
Get a percentage of sales from Vibrant Coffeehouse + Kitchen and connect with the entire Vibrant community.
When every dollar counts,
we'll make yours work as hard as possible.
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 troop. 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 PLUS
Got savings in excess of $25,000? With our Association Savings Plus account, you can interest at rates other financial institutions can’t match.
Featured rate
2.00% APY* on balances over $25,000
Association Savings Rates
*APY = "Annual Percentage Yield." APYs accurate as of August 15, 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% |
Association Savings Plus Rates
*APY = "Annual Percentage Yield." APYs accurate as of August 15, 2024. Association Savings Plus 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 | 0.50% |
$25,000 – $99,999.99 | 2.00% |
$100,000+ | 3.00% |
“We've been thrilled with the growth of our mobile farmers' market, and Vibrant has made it easy for us to manage payments.”
Sonja Nielsen
Urban Growers Collective
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.
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.