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Stop getting treated like a "small" business
Enjoy all the perks the big guys get—like unlimited transactions, great rates on savings, and the opportunity to network with Vibrant's 50,000+ members.
No monthly fees
Your bottom line is as important as ours—and we're looking out for your nickels and dimes.
24/7 mobile banking
Deposit checks anywhere, anytime, from your smartphone.
Connect with Vibrant members
Tap into our powerful network of members to share information about your business.
Which account is right for you?
Community
Checking
Get checks, debit cards, free online banking, and everything else you need to manage day-to-day transactions.
Featured rate
3.00% APY*
on balances up to $50,000
Community Savings
Say goodbye to low-yield money market accounts. With Community Savings, you'll earn up to 350x more on your business savings than you will at other financial institutions.
Featured rate
3.50% APY*
on all balances
Business CDs
Maximize your long-term earnings strategy with a 12-month or 24-month business CD—or check out the rates on our personal CDs, because they're available to business members, too!
Featured rate
3.99% APY*
24-month CD
Community Checking Rates
*APY = "Annual Percentage Yield." APYs accurate as of October 28, 2024. Community Checking is a tiered account; for this account, the specified Dividend Rate for a tier will apply only to the portion of the account balance that is within that tier. $5 Membership Share account required. Rates subject to change without notice. Federally insured by NCUA.
Average Daily Balance | APY* |
|---|---|
$0 – $49,999.99 | 3.00% |
$50,000+ | 1.00% – 3.00% |
Community Savings Rates
*APY = "Annual Percentage Yield." APYs accurate as of October 28, 2024. $5 Membership Share account required. Rates subject to change without notice. Federally insured by NCUA.
Average Daily Balance | APY* |
|---|---|
$0 and up | 3.50% |
“It's so much easier to handle club dues and tournament fees now that we bank with Vibrant.”
Michael Cho
Club treasurer and 55+ league champion
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.