inherited this bank after a merger and have been *trying* to give them the benefit of the doubt but am at my witts end. The connections to 3rd party budget software does not persist because you need an MFA code every.single.time. They didnt carry over the last banks settings so i've had instances of bounced checks despite having money in savings. when i called, i waited 45 minutes only to be told 'don't worry you get three free bounced checks a year'. YIKES. OK, so me chasing down three people that expected to be paid by me is perfectlly acceptable? Final straw came today when my husband and I had to call because HE was getting fraud alerts for Uber Eats, which he doesnt use. The fraud department wouldnt allow him to declare this as fraud because I have an uber account. Sure enough his card WAS attached to my Uber account but it was expired. Regardless the charge was NOT authorized and my Uber account has NO record of it but somehow WE are supposed to 'figure it out' with Uber. Anyway just flag the shit as fraud and lets all move on with our life but NOOOO dealing with Vystar is a huge pain in the ass and they are going out of their way to not help us at times. Can't wait till I get far enough ahead to just transfer EVERYTHING. read more

this company lacks customer service big time! I had a car loan with them. I only heard from them if my payment was 24 hrs late (due to it being on a weekend), or I changed insurance. when I paid off the loan I received absolute nothing...no thank you for your service and huge interest that we charged you...nothing! I have excellent credit score, but will never do business with them again! read more

I used to be a member of Vystar back when it was still Jax Navy Federwal Credit Union. Back when tgey still cared about their members. My dad was a nember there also for more years than I was. When he passed away, I was the beneficiary on his account. He had an outstanding personal lian with them that tgey expected me to pay off the balance on. Even though I had nothing to do with this loan. They turned it over to Steel River Collections for collection. I had to force the issue and make them take me to court over it. The court dismissed it with prejudice. This did not stop Steel River Colkections from reporting it to the credit bureaus as a charge off. I had to hire an attorney to go after both Vystar and Steel River Collections to have it removed from my credit report. Like I already stated, they were a goid credit union when they were Jax Navy Federal, that went out the window when they became Vystar. Biggest laugh of alm is when Vystar tried to purchase Navy Federal Credit union. Which is a much better and way bigger credit union serving the military, veterans, DoD employees and their family members. read more

I completed a wire to a title company and I get I should pay the wire fee but I decided not to get the home so the title company sent me the wire back, but what I don't agree with is why I had to pay the wire fee again when the title company sent me the money back. read more

Customer service isn't trained properly. Tell you one thing and then you find out it's not the case. Also, curious as to who gets the extra fees they charge people. Bet it goes right in someone above the food chain pockets. Credit unions are supposed to be good for the people. Vystar surely is not. read more

I've been with Vystar for many years, lots of ups and downs but now it's absolutely time to go. The problems and glitches are just to often for me to chance staying any longer. Recently, my Vystar credit card was hacked and $10,000.00 was fraudulently spent at an online casino. Neither Vystar Bank or Vystar Credit Card notified me. As soon as I was aware of the transactions on my account I called the credit card company and explained what was happening. I was treated like I was the thief. They wouldn't put a hold on the account, and said I had to contact my Vystar bank. It was a nightmare, it took months to get this straightened out and Vystar kept silent with keeping me informed on what was going on....to this day, I have not been told exactly how this happened or how my account was hacked. I don't feel safe with this bank anymore so I'm closing my account after 30 plus years. I'm actively searching for a reputable bank here in Jax as I type this. read more

Horrible service. My Loan Officer is way too busy to meet my needs. It takes days to get a returned phone call and she never responds to the questions or concerns I send in an email. Very disappointed, but who cares because they have hundreds of other customers, so I guess I really don't matter. read more

My gripe is with the ATM's. It is now impossible to deposit a check, even a check on a Vystar account. You go through the deal, you get to a certain point, and it fails, can't read the check. So, any deposits have to be done inside the bank. My son has the exact same issue, and we go to the CU to make our deposits. No other bank has any issues with deposits, once they determine that you are you! Being out of money on some of the biggest weekends of the year is just neglect. Someone should get alerts and be able to bring cash to an ATM out of money. I don't have website problems, and accts are okay, but the ATM deal, it's just not acceptable in 2025. Instead of buying another credit union, Vystar should have updated its ATM software and check readers. read more

The credit card is nearly just awful. It never wants to load and payments take a long time to post

My business w/ VyStar can't end fast enough. They trashed my perfect credit score with hard inquiries on a loan that all I was trying to do was get a 15yr old car as daily driver. 1st loan they wrote wrong, corrected ( or so I thought) to a loan that didn't meet their car age standards (uhhh I showed them the car/age prior to requesting , a third loan for some reason. I never used the check ( for $15 k when I only asked for 7) & due to all the hard checks my credit cards took notice & reduced my limits. Which then noted as I'm now carrying high balance & and reduced my limits even more. This place is insane. read more

Friendly bankers, easy to set up an account. Much better than big corporate banks. No monthly fees!

I've been a member of VyStar for over 30 years. I used to love VyStar over the last few years. It has went down the tubes. Horrible customer service takes 30 to 45 minutes to talk to somebody on the phone. You go into the branch and there's only one person working there. Website nap constantly crashing. I wouldn't recommend VyStar to my worst enemy. read more

My debit card is damaged I went into the Middleburg florida branch to order a new card they told me it would take 7 to 10 days to receive the new card in the mail. After two weeks I called and was told that the card hasn't been ordered according to their system. Strange thing over the years this is the third time this has happened to me somebody is dropping the ball. read more

Just had my loan transferred here through a third party company and can confirm what others are saying. I am being hounded for proof of insurance even though they agreed to fund the loan because if not sent, they are going to stick me with $180 charge every month for their insurance even though they KNOW I have insurance or why else fund the loan?! You're all literally insane and I'm reaching out to the original agency to see what can be done. I submitted the paperwork countless times. read more

I have been a vystar member for over 30 years back when they where jax navy. Over the past 5 years they have increasingly become worse and worse to the point i am now in the process of closing all of my accounts and switching to ameris which i can say i have not had any issues with. I have many friends and family that are also done with vystar because of the same issues. If you are looking for a new financial institution do not use vystar. read more

This is the biggest dumpster fire of a bank. They have become to big for their own good. They have messed up my accounts. They blocked my from my mortgage account. Where I can't see it. They said I missed numerous accounts even though I have proof I paid. Don't use this bank they are criminal and looking for a way to. Screw over the customer. I have a low interest rate and think this is part of their plan as to attempt to foreclose on me. Anyway they can to bring in a new buyer to pay a higher interest rate. Off to the attorney I go. Im done with the accounts being robbed and money taken from accounts that they shouldn't have touched and claiming I'm late on my house payments that I have proof of being payed. read more

I frequently go into the bank and they an about always so pleasant and helpful. My favorite person is a young man named Zachary. He's smart efficient and sweet. Keep up the good work. That's why I've been baking there since 1990 when it was Jax navy read more

We financed a truck in December. This is the worst company I ever done business with. They won't answer the phone or if you do manage to get someone they have NO clue what they are doing. Telling me they can't access our account. We have never received a statement saying how much our payment is or when it is due! Can't get into the website. I am completely in disbelief!!! read more

2 stars is generous. Vystar in Jacksonville FL is a dysfunctional credit union. Tried looking up my online balance today and got this message "You might want to check your compass. Sorry, we had trouble fulfilling your request" What? Vystar acts like a bank, has rates like a bank, and average customer service like a bank. They don't have any idea of a credit-worthy customer and don't have a card reader when you go up to the teller station. Tellers aren't particularly polite, and they close at 5 pm when most people get off work. A crappy business model all around. 2 stars is generous. (See pic) read more

VyStar Credit Union - Banks & Credit Unions Near Me - Jacksonville, Florida

I did my brother's tax return and had the funds deposited into my account. This is because my brother is hearing impaired and doesn't understand a lot when it comes to stuff like this. He also had fraudulent activity with his bank account. I went to get the money to give to my brother so he could catch up on bills. The manager at the branch treated me like I was a crook. Instead of trying to assist me. I could have easily went and got my brother and show all documentation to prove to them I wasn't lying. Therefore they flagged it and it was sent back to the irs. This was on the 7th of April and it's May 1st and my brother still doesn't have his money. I'm so done with this bank. read more

Horrible customer service. Horrible website. I have a loan with them and it is nearly impossible getting assistance.

Because of Shaquille Jackson, a Relationship Specialist, at the branch on Dunn Avenue, our day ended with happy and calmed spirits and smiling faces. Earlier we were alerted by Vystar fraud of attempted hacking of our accounts; thank God no money was taken but we had to come to branch and get new accounts and cards which initially felt so very frustrating and overwhelming. Shaquille often reassured us that everything was going to be ok and he patiently went through each account, answered all questions (and we had many) and continued to reassure us as he went step by step in this lengthy, lengthy process. He was compassionate, very patient and knowledgeable. We so appreciated his kindness and professionalism. Thank you again Shaquille. read more

My experience eith vystar is always a good one. Recommend this location and credit union fully.

The absolute worst bank I've ever worked with. It is nothing but issue after issue with this company. I can't wait to be finished with this car loan so I can leave Vystar for good! HORRIBLE WASTE OF TIME! Simple things like resetting a password requires a miracle to take place. The website doesn't work to do it, I have to call in to do it. I pay my car loan by going institute to institute (bc I stopped banking w/vystar bc of the awful service) anyway they never took the money out even after sending a verification code VERIFYING THAT I WANT TO MAKE THE TRANSFER. I've been paying the car loan this way for about a year and suddenly there's a problem ? Typical vystar behavior. I hate that I ever started with this company. Now I have to call them when they open and waste my time trying to undo their mistake. Vystar has been downhill for years, when does it hit rock bottom? Don't bank with this institute if you care about your money and sanity. read more

Cesar is amazing! Always willing to help when needed and thorough. He's patient and kind every time we go.

They won't print a debit card for you. You have to wait 2 weeks to get one in the mail. Absolutely absurd! Vystar - I have already contacted you support still waiting to hear from them. read more

I love Vystar, esp Ginger in Alachua. She is so sweet and knowledgeable. Always returns my phone calls and walks me through challenging situations. read more

I was applying for membership when it asks if you are a member of the armed forces as veteran so I put that on there and the next thing they did was to tell me they can't accommodate me to the credit union. What is that? read more

This bank is so behind the times and charges fees for everything. Their online banking does not work in real-time and their fees will pile up overnight. They waive 3 per year, but when you incur $100s that hardly makes a dent. Every other bank on the market has got rid of these fees because they have had huge class action lawsuits against them...& Vystar has had them as well. Why would you ever choose to bank there?? Certainly no benefit, that's for sure. read more

Vystar has no idea know what goodwill and compassion are! Their idea of this goodwill and compassion is taking more than 10 innocent kitties that were living in the woods, NOT BOTHERING ANYONE, near their Oakleaf location making them "disappear". It is also harassing many of their "valued" customers that ACTUALLY are showing Goodwill and compassion by trying to take care of these babies and making them feel like they are doing something wrong by helping these babies and causing 2 of them to have nervous breakdowns from all the emotional trauma they are causing them by taking these away and "getting rid of them". This is a horrible place. read more

VyStar Credit Union - This is what Vystar posted on their Facebook page. NOTHING about what they've been doing to these poor kitties is compassion or goodwill. - Banks & Credit Unions Near Me - Jacksonville, Florida

After 40 years of loyalty - they got the BOOT! This failing financial institution remains dysfunctional going on 5 weeks. Sporadic to, no on-line account access. NO telephone access except an automated program. NO reliable external transfer capability. NO on-line chat capability. Account updates are untimely and inaccurate. Their so-called "Risk Security & Fraud Dispute department " is undoubtedly, the worst in the industry." I lost thousands. We're so fortunate to have recovered the remainder of our funds. Vystar has NO member/customer loyalty. No wonder they are not BBB accredited! Sad, but true. read more

VyStar Credit Union - Uh, didnt really want to chat anyway... - Banks & Credit Unions Near Me - Jacksonville, Florida

So far 25 minute hold for vystar branch on dunlawton and still no answer. My account reflects a returned check charge but doesn't say for whom. This morning it showed positive on my account and than around noon out shows negative. So at what point did it try to process an ach? Do they not give you until end of day before they return a check? My fire get back would tell me who they check was returned to. read more

Worst credit union ever. I've been in credi unions over 28 years. The merger with 121 is a disaster. I was on the phone with VyStar for four hours; getting transferred and hung up on. asked for a manager but they hid, no transparency. Left wok early at my other credit union to go to the branch across the street; southside and Atlantic. Horrible service. I walked out and asked who was the person that saw me and she said the branch manager. Insulted me saying my DL didn't look like and asked me to take off my glasses twice. I'm 58 and aged sorry. Never introduced herself or apologized for the wait, instead was condescending and said she is a consu as well. I wanted to cry. read more

Had a 6 year car loan with them for about a year. Sold my home and decided to payoff the remaining balance over the phone with a rep at the end of July 21. A few days letter the payment was reversed (not by me) so i went online to submit another payment for the full pay-off amount. I Recieved a confirmation email and mail telling me "congratulations on paying off the entirety of your loan". Fast forward 6 months, I check my credit report as I frequently do and see a near 200 point drop in my credit score for a late payment to VyStar for a vehicle loan. I give them a call only to find out there was $80 remaining on my loan. When pressed for an explanation on why I did not receive any correspondence (phone call, email, snail mail) regarding any missed payments I was told that they are not required to do so and that was a courtesy. Their credit reporting people performed an internal investigation on the matter over the course of a few days and determined that they were not at fault and would not reverse the negative mark against me. Borrower beware! Do not use this institution for a loan as I would never again do so. I would also go so far as to warn my worst enemy against borrowing from them. Would give zero stars if possible. read more

If I could stand in front of Vystar with a sign protesting them I would on a daily basis but they arent worth my breath. Just remember during this Pandemic who is able to help business and who isnt. Vystar should never have claimed to be able to service business's . They arent a 7A lender and cant help with a SBA loan. They pass you to a third party. Their website doesnt work half the time. Their clerks answering the phone are clueless and I think they were working at Steak and Shake the week prior. All I can say is do yourself a favor if you are a business, do not use Vystar. If you dont believe me, ask them how many small business loans they have written (themselves) not with a so called partnership and a third party lender. The answer will be ZERO. They even posted a link to email on their site on 4/6/20 and of course the dummies cant even get that right. Look at my picture. read more

VyStar Credit Union - Banks & Credit Unions Near Me - Jacksonville, Florida

I especially like their fraud department. o my debit card fails AND MY Credit card fails then I looks for their fraud notification. they are top in there game read more

after banking with vystar for like 50 years,i had to file chapter 13. they told get your money and get out. they will still get the money i owe them.my trustee pays off my debts. i went ameris bank ,they treated me like family. my name is michael brim read more

I was at the San Jose branch yesterday to make a couple of deposits and was assisted by Porter. He was friendly and professional and was even able to order new checks for me. This is my neighborhood branch and they are always friendly and do a great job. read more

They make it where it's a hassle to pay your credit card there so called app is equal to secures it's so bad old and out dated i can't transfer funds over and can't get a human on the phone this is a trash company read more

VyStar has been my bank for years and I always loved them, primarily due to their customer service being the best. During the recent issue they had with their online banking/website that seemed to be a problem forever, it was the employees that kept me from giving up on the institution during that time. I frequent both the Bartram branch and the Ponte Vedra branch. I don't know if it hiring practices, trading, or company culture (probably a combination), but the staff that is face to face with the customers are amazing. I hope VyStar's upper management appreciates those boots on the ground employees as much as I do (a long standing customer still their due to those people's great efforts). Thanks to all of those who kept such a great attitude during that trying time and who are always there with a smile to help with my banking needs! read more