Welcome 121 Financial members to VyStar!
We have completed the final stage of our VyStar and 121 Financial merger with the successful conversion of your 121 Financial accounts to VyStar systems. You can now take full advantage of the benefits of being a VyStar member!
We're here to help you enjoy a smooth transition. Learn about what to expect during and after account conversion.
Online & Mobile Banking
Learn more about VyStar’s Online & Mobile Banking services, including how to enroll and get started.
What's Changing for You
From your member number to branch services, here are some changes to expect once your 121 Financial accounts convert to VyStar.
Existing VyStar Members
Already have a VyStar account? Learn more about what that means for your experience.
Checking and Savings Accounts
Learn more about how your checking and savings accounts will be affected and what actions you need to take.
Credit Cards
Get information about what changes you can expect with managing your 121 Financial credit cards after conversion.
Consumer Loans
Learn more about how your loans will be affected and what actions you need to take.
Mortgages and HELOCS
Learn more about how mortgages and HELOCs will be affected and what actions you need to take.
Frequently Asked Questions
Check out our comprehensive FAQ guide to learn more about your accounts, cards, loans and Online & Mobile Banking.
VyStar Perks
Being a VyStar member gives you access to great rates, low fees and outstanding service. It also means getting to enjoy special discounts, rewards and more.
Terms and Conditions
Please also refer to VyStar Membership Agreement and Disclosures, our Privacy Policy and Fee Schedule for the terms, conditions and information regarding VyStar accounts.
Top FAQs
Check out our comprehensive FAQ guide to learn more about your accounts, cards, loans and Online & Mobile Banking.
View all FAQsThe transition to VyStar begins Friday, Oct. 11. Your 121 Financial account(s) will be converted to a VyStar account by Monday, Oct. 14.
Yes, any direct deposits or ACH payments previously set up on your 121 Financial account by Oct. 10 will automatically roll over. No action is required from you. Incoming direct deposits and automatic debits will be routed automatically to your new account number with VyStar.
Yes, your 121 Financial debit card will continue to work after your account is converted. If your 121 Financial debit card is scheduled to expire before the end of the year you will automatically be sent a new debit card to your address of record before your current card expires.
After your 121 Financial accounts are converted to VyStar, you will have access to VyStar’s Online & Mobile Banking. VyStar’s Online & Mobile Banking enables you to access and manage your accounts on your computer or smartphone. Please see our Enrollment and Login page for how to enroll in Online & Mobile Banking.
Your 121 Financial paper checks will continue to work after your account is converted. To request new paper checks, please call the VyStar Contact Center or visit a VyStar branch. Your first box of paper checks will be free of charge.
In evaluating ways to better serve our members, we reviewed our existing locations in the Greater Jacksonville area and assessed our member traffic patterns. All branches being consolidated have a neighboring branch within 5 miles. By consolidating less frequently used branches, we can redirect resources and invest in enhancing staff quality at busier nearby branches.
VyStar Locations
As a VyStar member, you have access to 30-plus branch locations in Greater Jacksonville and more than 80 branches throughout Florida and Georgia, including areas such as the Space Coast, Orlando, Daytona, Gainesville, Tallahassee, Savannah and Metro Atlanta. You will also have access to our network of 55,000 surcharge-free ATMs worldwide.