Checking Center

• ATM card
• Balancing your checking account
• Bill Payer
• Check Card
• Internet Banking
• Overdraft Protection
• Paying bills on-line
• RSVP Reloadable Visa
• Setting up a direct deposit
• Senior Class
• Wire Transfers

Overdraft Protection Choices

VyStar has Overdraft Protection programs to enable you to transfer funds from your savings account or line of credit automatically into your Checking Account should your account have less money in it than is necessary for all your checks, debit card purchases, automatic withdrawals and ATM transactions to clear. Avoid the embarrassment of having your checks returned. These programs safeguard you from insufficient funds fees and check returns. Members may use one or both plans available for this protection.

Overdraft protection from Savings - Money from your Savings Account is automatically transferred to your Checking Account when your Checking Account is shown to have insufficient funds. You may only transfer the amount of funds that are currently available in the Savings Account. Only one Savings Account may be designated as your source of funds for overdraft protection. (Be sure to check VyStar’s Disclosures for withdrawal limitations.)

Overdraft protection from Signature Line of Credit - An unsecured line of credit can be used when your Checking Account has insufficient funds to cover the transactions you have made. The money is automatically transferred into your account (up to your available limit) and your checks are then paid. This saves you from incurring an insufficient funds fee from VyStar as well as possible charges from local businesses for returned checks.

Want to find out "where to go" for the financial services you need? VyStar’s How-To-Guide is a quick and easy way.