Internet Banking Frequently Asked Questions

Members can enroll by using the full website version or the VyStar Mobile Banking App. The login credentials are the same for Internet or Mobile Banking access. Please click here for the enrollment instructions

All information collected by, or available on, Internet Banking is protected through the use of the secure socket layer (SSL) protocol and 128-bit encryption. SSL is an encryption system that creates a secure environment for information that is passed between the member’s computer and VyStar Credit Union. Your information is secure when you are logging in to Internet Banking. For more information about security, click here.

The username, password and email criteria are outlined below.

Many services are available, such as:

• Viewing your account information, including the actual balance, available balance, scheduled payments, and credit limit
• Creating transfers to be processed immediately, on a future date, on a reoccurring basis, or a combination of these options
• Receiving and paying bills online
• Viewing e-Statements
• Placing stop payments on a single check or range of checks
• Applying for a loan
• Accessing contact information to order or cancel an ATM/debit card
• Sending secure messages to VyStar Member Service
• Receiving alerts and notifications about your account balances and activity based on your own personalized settings
• Updating your profile information (username, phone number(s), email address, etc.)

Click on the “Forgot your Password?” link under the Internet Banking login. You can also call us at (904) 777-6000 (in the Jacksonville area) or 1 (800) 445-6289, option 3 (toll-free).

Internet Banking: Yes. This is completed on the login page. Under the login icon, select one of the destination pages available under the “Take Me To” drop-down menu. Check the box “Make this page my default destination page” before logging in.

Mobile Banking: No, this feature is not available.

In your Internet Banking account history, you can view transactions from the past 15 months.

The full account numbers can be unmasked by:

1. Clicking on “Settings/Service”
2. Selecting “Manage Account Preferences”
3. Selecting the “Do Not Mask My Account Numbers” radio button, and clicking “Update Preferences”

Yes. Accounts can be visible or not based on your preference.

Notes:

• The preferences must be updated separately for Internet Banking and Mobile Banking
• Hiding or unhiding an account can ONLY be done within Internet Banking

Follow the steps in the table below to hide or unhide accounts.

Yes. After 14 minutes of inactivity, you will receive the message below. You will have 60 seconds to either stay logged in or log out. If nothing is selected, the system will log you out and a Session Timeout screen will be displayed.

VyStar Internet Banking is a real-time system. In other words, transactions made through VyStar Internet Banking are immediately posted to your account when you press the “Submit” button.

Scheduled transactions (both future-dated and reoccurring) are posted on the day on which they are scheduled. We cannot guarantee the time of the day when the transfer will occur, but it will likely be early in the morning.

Yes. Regardless if you are a joint primary, joint secondary or sole owner on an account, you can enroll in Internet Banking and Mobile Banking.

No. The enrollment process for business accounts is the same as the process for personal accounts.

You can change your personal information within Internet Banking. After logging in, select “Settings/Service.” Under “Personal Information,” select the link for the information you would like to change.

If you are including any personal or confidential information in your message (e.g., account numbers, social security numbers or PINs) you should not use email to correspond with us. Email is simply not secure enough for passing along such sensitive personal information.

VyStar Internet Banking includes a secure internal messaging system that allows you to securely contact us. Click on “Messages” at the top of the Internet Banking screen to send us a protected message.

Every user should have a browser that supports a minimum of 40-bit encryption, enabling us to step up the encryption to the full 128-bit level we ensure every Internet Banking session reaches. If you don’t have a browser that supports 40-bit encryption at minimum, you can download one of the supported browser versions listed below.*

Browsers compatible with Internet Banking:

• Internet Explorer^® 11/Windows^® 7
• Internet Explorer 10/Windows 7
• Internet Explorer 9/Windows 7
• Chrome^® 29/Windows 7
• Firefox^® 23/Windows 7
• Safari^® 5.0.1/Mac^® OS X 10.7**

You may use an older browser to access Internet Banking, however the appearance may not be of the highest quality, and we may need to block access to Internet Banking when an older browser no longer provides the necessary level of security.

To utilize Internet Banking, JavaScript and cookies must be enabled.

*VyStar’s Internet Banking uses a "step-up" technology to upgrade a 40-bit encrypted session to a 128-bit encrypted session. This “step-up” technology ensures that every Internet Banking user will receive the strongest SSL encryption available, regardless of the operating system or browser version in use. Browsers prior to Internet Explorer 3.02 or Netscape Communicator 4.02 do not support 40-bit encryption nor were they issued with SGC or "step-up" support to allow a 128-bit encrypted session.

**Safari browsers are supported on Mac operating systems only for Internet Banking.

Internet Explorer and Windows are registered trademarks of Microsoft Corporation in the United States and other countries.  Google Chrome is a trademark of Google Inc.  Firefox is a registered trademark of Mozilla Corporation.  Safari and Mac are registered trademarks of Apple Inc.