Benefits of VyStar Membership

When you become a VyStar member, you will find a wide range of affordable products and services. Plus, you will have easy account access whenever and wherever you want with many low- or no-cost services to manage your money. Let us be your primary financial institution.

Electronic & Convenience Services
Internet Banking	Monitor and perform transactions on your accounts, stop payments, get statements and more.
Bill Pay	Receive and pay your bills online.
Mobile Banking	Access and manage your VyStar accounts, set up debit card alerts and controls, and turn your card on/off via your Web-enabled mobile device. Apps available for Apple® and Android™ devices.
Text Banking	Get account balance/alerts or request the last five transactions on your VyStar accounts via a text message on your cell phone. Enter 897827 (VYSTAR).*
Email, Text and Push Alerts	Receive your balance when it reaches a certain amount; set up reminders about bills that are due, checks that have cleared, automatic payments that are scheduled; be alerted when your direct deposit has posted.*
Magic*Touch	Access your account and manage your money via audio response telephone service from your home phone or mobile device. Call (904) 777-6001 or 1 (800) 235-6289.
ATMs	Pay no surcharge for VyStar cards at any VyStar ATM and at over 20,000 ATMs in the U.S., Canada and Mexico; make deposits, withdrawals, transfers and VyStar loan payments. Change your PIN (debit card, ATM card, business debit card, and Home Equity Platinum Visa®.)
Branch Coin Machines	Walk into any VyStar branch with your spare change, run it through our coin counting machine, and receive cash or deposit it into your VyStar account.
Find a Notary	Access notary services at all VyStar branches.
Money Makeover	Find ways to decrease debt and boost savings by working with a VyStar Money Coach.
Contact Center	Receive quality member services over the phone with the local Contact Center, or chat live with a representative on our website.

Checking Services
Checking	Interest-bearing checking with no monthly service fee or minimum balance requirement; electronic services and e-Statements to manage your money.
Debit Card	No-fee VyStar Visa debit card with purchase points and monthly cash-back rewards programs; convenient ATM access.
Direct Deposit	Electronic direct deposit of your pay into your VyStar account.
Mobile Check Deposit*	Photograph checks with a mobile device to electronically deposit into your VyStar account via Mobile Banking.
VyStar Loan Payment	Optional automatic Funds Transfer Service setup to move money from one account to another, make a loan payment, increase your savings, and more.
External Transfers	Securely transfer money between your online accounts here at VyStar and those you have at another financial institution.
Senior Class Services	Even more services for our members who are 50 or over.

Low-Cost Loan Services
Auto Loans**	Up to 100% financing; no application fees or hidden costs; competitive rates and easy repayment terms; free electronic payment services. Refinance your higher-interest non-VyStar loans to VyStar today—it could save you money and lower your payments.
No Closing Costs	Competitive rates; no closing costs first mortgage offer; broad range of home loan** products; clear terms and no hidden fees; other services available to assist with buying real estate as well as closing on a loan.
Visa Signature Credit Cards***	VyStar cardholders now enjoy the amazing perks of Visa Signature credit cards in addition to the points, cash back and other benefits they already earn.

*Wireless service provider data and text rates may apply. **All accounts and loans are subject to approval. Certain restrictions, limitations and exclusions may apply. ***Please refer to the Terms and Conditions under Disclosures for full program benefits. Apple^® is a registered trademark of Apple Inc. All third-party companies, products, and service names are for identification purposes only. All service marks, trademarks, and registered trademarks are the property of their respective owners. All credit union programs, rates, terms and conditions are subject to change at any time without notice. ©2018 VyStar Credit Union.