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Home > Online Services > Internet Banking Access > Entitlements

Entitlements

The Entitlements feature will allow a member to add access for sub-users to their VyStar Internet and Mobile Banking accounts. A Business Owner may need to provide access to their business accounts for a bookkeeper or accountant. Or a relative with a Power of Attorney may need to be able to pay a bill for a loved one using their member account. Entitlements will allow for this kind of access.

How to add access for a sub-user to your VyStar account:

  1. Log into VyStar Internet Banking.
  2. Click on “Settings/Service” at the top right of the screen.
  3. Click on “Entitlements” as shown in the list below.Settings/Service page
  4. Click "Add a New User"  and complete the required fields for your sub-user. Then, click Save and Continue.
  5. Select either Custom Access or Shared Access from the tabs. Use the table below for an overview of the two access options. If you've selected Custom Access, choose which accounts you want to provide the sub-user access to. Click Save and Continue. 
Shared Access Custom Access
Access to ALL Accounts

No Access

Read Only

Create Transactions

Quick Payment (Bill Pay)

         6. Review the screen for accuracy and click Save.


How the sub-user completes registration for access to the VyStar account:

  1. Log into VyStar Internet Banking with the username and temporary password provided.
  2. Read and accept the Terms and Conditions.
  3. Enter the temporary password and click "Change Password."
  4. Input and confirm an email address.
  5. Read the Extended Authentication information and click "Continue."
  6. Provide your date of birth and enter your security questions.
  7. Set up your Phone Number(s) for validation and then enter the Validation Code provided via the selected delivery method, either voice call or text message, to the device chosen.

Entitlements FAQ

What are Entitlements?

  • Personal Accounts: Allows a member to give Internet Banking access to another person not listed on the account.
  • Business Accounts: Allows the Agent (AGT) to grant Internet Banking only access to other people either on the account or not listed on the account.

Who can grant or restrict access?

  • Granting authority (primary user)
    • Primary Member
    • Joint Member
    • Agent (AGT) for Business Accounts
  • Revoking authority
    • Primary user through Internet Banking
    • Agent (AGT) for Business Accounts

Note: Sub-users are granted access to specific accounts. The member setting up sub-user access has the ability to determine which accounts the sub-user has access to and the access type.

Can either member or agent (for Business accounts) on the account revoke a sub-user?

Yes, the primary, joint members and agent (for Business accounts) have access to the sub-user management Web page in the "Settings/Service" menu.

Remember: Only the primary user that set up a sub-user has the ability to see, change, or revoke access for that specific sub-user.

What can a Primary User do for a sub-user?

In the "Entitlements" section, a primary user can:

  • Add a new sub-user
  • Change (existing sub-user):
    • Status
    • Name
    • Username
    • Temporary password
    • Access levels 
    • View activity logs
    • Delete

What are the sub-user access levels?

Shared Access: Full but limited access to all accounts with access to the following: (Note: This access is almost the same as a primary user.)

  • Move Money: View and move funds between accounts
  • Quick Payment: Bill Pay access that only allows access to pay current bills; no access to add, delete or change a biller
  • View credit card information and statements

Custom Access: Limited customizable access on each account with the following options:

  • No Access: Cannot see or have access to that specific account
  • Read Only: Can only view account balances and history
  • Move Money: View and move funds between accounts
  • Quick Payment: Bill Pay access that only allows access to pay current bills; no access to add, delete or change a biller

Note: Quick Payment (Bill Pay) is only displayed and available on a checking account.

Who can see all of the sub-users?

The primary, joint members and agents (for Business accounts) have access to the sub-user management Web page.

What accounts can be set up for a sub-user?

Any account under a person’s login including:

  • Savings
  • Checking
  • Loans
  • Credit card balances

IMPORTANT: For credit cards, if a sub-user is set up with:

  • Move Money access, they have access to the credit card information just like a normal user, or
  • Read Only access, they can only see the balance in Internet and Mobile Banking, but cannot access the credit card statements.

Who is responsible for transactions conducted by entitled users?

Sub-users must accept the Internet Banking terms and conditions when logging in for the first time. You are fully responsible for all transactions conducted by any and all Sub-users, and all third parties to whom such sub-users may disclose their username and password, whether those transactions are authorized by you or not.

Full terms and conditions for Entitlements (Authorized Users) are available on the Disclosure page of the VyStar website.

What additional access does a sub-user have?

The table below provides the additional access a sub-user has through entitlements.

Access Available
Password Reset

Yes.

  • A sub-user can use the forgotten password workflow for their password, and
  • Password resets must be done by the primary user.
Same Access Using Mobile Banking Yes, sub-users will have the same access in
Mobile Banking as was set-up in Internet Banking
AIR Relationships No, sub-users will not have cross accounts available
in their Transfer to Drop Down.
e-Statements
  • Deposit and Loan Accounts: Yes, if given shared access.
  • Credit Cards: Yes, if given shared access.
External Transfers No, sub-users will not have access to this feature.
Zelle® No, sub-users will not have access to this feature.
Apply for a Loan No, sub-users will not have access to this feature.
Account Number Yes, a sub-user will have the ability to unmask
the account number just like the primary user.
Open a New Account No, sub-users will not have access to this feature.
Change an Address, Phone
Number or Email Address
No, sub-users will not have access to this feature
within Internet or Mobile Banking.

Note: Sub-users are granted access to specific accounts. The member setting up sub-user access has the ability to determine which accounts the sub-user has access to and the access type.

Internet Banking Access
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VyStar Credit Union
P.O. Box 45085
Jacksonville FL 32232
904-777-6000 or 800-445-6289
Routing Number 263079276

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