Protecting Our Members

At VyStar, we are here for you. Explore the tools and resources we have available to give you peace of mind that your financial information is safe and your account is secure.

Bank With Confidence

Understand how fraud works and how you can prevent it.

Remember, VyStar will never call and ask you for one-time passcodes, debit or credit card information, account security questions or Online & Mobile Banking credentials.

When in doubt, just reach out.

Take the Quiz to Become a Fraud Fighter

How to Identify Fraud

Knowledge is power. When you understand the different types of fraud, you are able to stay one step ahead of possible issues.

Learn about social scams

How to Prevent Fraud

We have helpful tips and best practices to use when you're online or making digital payments. These are good to keep in mind anytime.

How to Report Fraud

We've got your back. If you believe fraud has been committed on your account, let us know as soon as possible. We're here to help.

Protect Your Account

☑ Monitor your accounts regularly.  Sign up for e-Statements to securely access statements anytime, anywhere.

☑ Enroll into VyStar Online & Mobile banking to view account activity.

☑ Be sure to set up transaction alerts or controls that will notify you of any activity on your accounts.

When In Doubt Just Reach Out

It’s important to stay informed of the latest scams. Fraudsters are always changing tactics -but one tactic that is consistent is that they rush you into acting. Taking a moment to stop and verify the request with VyStar or your financial institution can keep you from risking your personal information and your money.

Call the number on the back of your debit/credit card
Visit VyStarcu.org or your financial institution’s official website
Stop by a branch in person

How to Spot a Scam

Fraudsters often use fear and urgency to pressure you into acting quickly, claiming your account is at risk or you must respond immediately to avoid punishment or penalty. They will urge you to click on a link or call a phone number. They will instruct you to provide them with your personal information or to withdraw funds to send to an account, convert to debit cards or even offer to come to your home to pick up the cash/debit cards.

Never click on a link or call a number provided
Do not provide false information to your financial institution about your reason for withdrawal
Do not allow anyone to come to your home to pick up money/debit cards

Real Scam Stories

Real stories reveal just how quickly scams can happen and why it’s critical to stay alert and informed. Watch to learn the tactics scammers use and how reaching out to VyStar has helped members avoid becoming victims. Empower yourself with knowledge and trust VyStar to be your partner in protection.

Member Spotlights: How VyStar Helped Stop a PayPal Scam

Bank Fraud Scam on the Rise: How One Member Was Saved Just in Time

Suspecting fraud?

Report Fraud

Protect Yourself From Fraud

Learn more about the latest scams and fraud prevention tips.

Fraud Busters: Unmasking Scams and Protecting Your Money

Unmask scams and safeguard your money! Join VyStar SVP of Operations, Stephanie Curtis as she reveals the latest fraud tactics, how to detect them, and actionable tips to protect yourself.

Protecting Financial Integrity: Your Vital Role in Countering Tax Season Fraud

Each year during tax season, it is important to follow best practices when sharing personal and financial information. We've got you covered.

Fraud Prevention Tips for Holiday Shopping

Holiday season is a joyful time. Keep it that way by following these tips to protect yourself from fraud.

Frequently Asked Questions

What should I do if I believe I am a victim of fraud?

The sooner you report fraud — either suspected or committed — the better your chances are of minimizing the impact on your account. If you see unauthorized transactions on your account or believe you are a victim of fraud, please report it as soon as possible. You can report it in several ways:

Call our Contact Center at 904-777-6000 or 800-445-6289, option 2. Our representatives are available Monday through Saturday, from 7:00 a.m. to 7:00 p.m., excluding holidays.
Visit any VyStar branch and report the fraud to a Member Service Representative.

Are there alerts I can set up to stay ahead of fraudulent activity on my accounts?

We proactively monitor members’ card transactions for suspicious activity. When a suspicious transaction is made by your debit or credit card, we will send you a fraud alert via text message, phone call or email.

You can also set up your own alerts through Online & Mobile Banking for specific events, such as a low balance notification or a change to your password or contact information. Learn how to set up and manage your account alerts.

My card is lost/stolen. What should I do?

If your debit or credit card is lost or stolen, call our Contact Center at 904-777-6000 or 800-445-6289, option 2, or visit any VyStar branch.

For credit cards, you can also use Online & Mobile Banking to report a lost or stolen card or to report a dispute for an unauthorized or disputed transaction.

Does VyStar offer protection on their Visa® credit and debit cards?

Yes, we do. You won’t be held responsible for unauthorized transactions made with your Visa® credit, debit or prepaid card. If your card is lost, stolen or fraudulently used, you’re covered. Additionally, our Visa® cards have EMV chips, which adds extra layer of protection.

Learn more about credit and debit card protection.