Frequently Asked Questions

The last day to process an External Transfer through 121 Financial is Monday, Oct. 7. Transfers scheduled after Oct. 7 will need to be re-established after enrolling as a new VyStar member through Online & Mobile Banking after Oct. 14.

VyStar's recurring External Transfer schedule options may vary from 121 Financial. You have the option to select the amount, number of transfers, duration, and more.

Please visit our External Transfers page for more information.

After Friday, Oct. 11, you will no longer be able to access 121 Financial Online & Mobile Banking. We recommend that you download and save copies of any account transaction history, check images and statement copies that you may need to perform your account balancing and tax reporting. If you are using any type of budgeting or accounting software, please refresh your account for accuracy. 

For your convenience, your previous 121 Financial account statements will be available at your request at no cost and will be sent to you via postal mail. Visit your local VyStar branch or call VyStar’s Contact Center to request a copy of your transaction history. Please allow up to two weeks for delivery. 

You will receive your 121 Financial account September statement as normal (either paper statement or e-Statement) in early October. Your 121 Financial October statement will be partial (Oct. 1-Oct. 11), and all 121 Financial members will receive this statement via postal mail as a paper statement. You will receive the remainder of October’s statement from VyStar (either paper statement or e-Statement). 

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.

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 will be routed automatically to your new account number with VyStar.

To set up a new direct deposit with VyStar, you’ll need to provide your employer (or whoever issues your payment) with the following information:  

• The VyStar routing number: 263079276 

• The account number for your checking, savings or other account where you want the money deposited. 

Please visit our Direct Deposit page for more information. 

Beginning Tuesday, Oct. 1, you will no longer be able to access, view, edit or make new bull pay transactions on your 121 Financial Bill Pay profile. Therefore, if you normally add bills to be paid each month, we advise you to plan ahead and add or remove your transactions prior to Oct. 1.

If your 121 Financial Bill pay is prescheduled or on auto pay, no action is required from you. These pre-scheduled or on auto pay bills will continue to be sent to your designated payee as normal during the conversion period and after as long as they were set-up before Oct. 1.

Once your 121 Financial accounts are converted to VyStar, you will be able to easily set up, view and edit Bill Pay transactions through VyStar's Online & Mobile Banking. To learn more about VyStar's Bill Pay and Online & Mobile Banking, visit our How-to guide for VyStar Bill Pay.

121 Financial will discontinue sending wires as of close of business Thursday, Oct. 10. 121 Financial will post any incoming wires up to their cut off at 4:30 pm on Friday, Oct. 11. To make an outgoing wire transfer after your account converts to VyStar, you will need to call our Contact Center or visit a local branch.  

You will not be able to make outgoing wires in VyStar’s Online & Mobile Banking. Alternatively, VyStar’s Online & Mobile Banking enables you to make external transfers to accounts and payees.  

Yes, there will be a change to your loan account number at conversion. In most cases, your loan account number will be a combination of your 121 Financial member number and the loan suffix (loan suffix can be found at the top of your statement next to each loan). Example: Member number is 1234 and Line of Credit #0001 will convert to VyStar loan number 12340001. If your account number has changed completely, you will receive a letter in the mail detailing this change.  

Your 121 Financial standard recurring internal transfer between accounts at 121 Financial will be converted automatically and does not require any action from you. Once you enroll in VyStar's Online & Mobile Banking, you can review, edit, and set up one-time and recurring internal transfers. Please check your VyStar Online & Mobile Banking after conversion to ensure your recurring transfers are accurate.

All loan payments due on or AFTER Oct. 14, should be made to VyStar at a VyStar branch, via mail, or by phone using these methods. 

• Contact Center Monday through Saturday, from 7:00 a.m. to 7:00 p.m., excluding holidays: 
  904-777-6000 or 800-445-6289 

• Chat 7 days a week from 7a.m.-7 p.m., excluding holidays 
  VyChat icon appears on the right side of screen 

• TDD Telephone Service for the hearing and speech impaired 
  904-908-2320 or 888-872-5738 

• Payment Address (USPS) 
  VyStar Credit Union 
  P.O. Box 628233 
  Orlando, FL 32862-8233 

• Credit Card Payment Mailing Address 
  VyStar Credit Union 
  P.O. Box 71050 
  Charlotte, NC 28272-1050 

Payments can also be made online, any VyStar location, ATM or Contact Center. 

If you currently have GAP (Guaranteed Asset Protection), MRC (Mechanical Repair Coverage) and/or Credit Life and Disability insurance, your coverage will not change or be affected by the conversion. Please call 877-997-2221 or email insurance@vystarcu.org for questions or to file a claim.