VyStar's Visa^® Debit Cards

There are so many reasons to love the VyStar Visa Debit card.

It’s not just an ordinary ATM card: You can use it to make everyday purchases wherever Visa is accepted, both in-store and online, and you can even pay your bills with it. Not to mention that it saves you the hassle of carrying cash or checks.

Have the convenience of accessing your funds, without writing a check, by simply swiping your debit card at the local merchant. When you use your card, you can decide to run your card as credit or debit. VyStar's Debit Card also acts as an ATM card, using your same PIN.

Here, learn more about the secure, convenient features you can enjoy with your VyStar Visa Debit Card:

Protection Features	Convenience Features	Rewards Features
EMV Chip Card Technology Email, Text & Push Alerts Overdraft protection Visa purchase alerts	Instant Issue cards available at all VyStar Branches e-Statements Digital Wallet compatibility	UChoose^® Rewards Visa coupons

Debit Cards FAQ

How do I order a VyStar Visa Debit Card?

If you are a new member who is signing up for a brand-new checking account at any VyStar branch, you will be automatically given a new Instant Issue debit card, which you can start using right away.

You can also order a new debit card by contacting the VyStar Call center at (904) 777-6000 or 1 (800) 445-6289, option 9.

If you are logged in to Internet Banking, you can submit a secure order form for a new debit card by clicking “Settings/Service,” selecting the option for ordering a new debit card, and filling out and submitting the form.

What are the daily limits on my debit card?

You can use your debit card anywhere Visa is accepted, and daily usage limits are as follows:

ATM: $1,010
Pin-Based (POS): $5,000
Signature-Based (DBT): $5,000

Click here for more information about daily limits.

If I am traveling, what should I do to ensure I can use my debit card?

Let us know a couple of weeks before you leave. By giving us your planned travel dates, you can avoid your card activity being suspect. VyStar’s Electronic Security Protection (ESP) offers a package of free protection that monitors what is happening with your card services.

How do I dispute charges on my card?

To dispute unauthorized transactions on your VyStar Visa Debit card, contact us at (904) 777-6000 or 1 (800) 445-6289.

If you are logged in to Internet Banking, you can submit a secure dispute form by clicking on “Settings/Service,” selecting the option to fill out a dispute or stop payment form, and filling out and submitting the form.

You can also dispute charges in person by visiting your nearest VyStar branch and speaking with a representative.

How can I avoid paying surcharge fees?

One simple option for avoiding surcharge fees would be to request cash back at the point of sale (POS) when you are making a purchase. For example, when you are using your debit card to pay for your purchase at a supermarket, you can enter your PIN and request cash back.

What should I do if my card is lost or stolen?

In the event that your debit card is lost, stolen or damage, just speak with a Member Relationship Specialist at any VyStar branch location, and within minutes you’ll be handed a replacement card that’s activated and ready to use. You can immediately start making purchases at stores or online—no waiting, no hassle. Another option for reporting your lost or stolen card is to call VyStar at (904) 777-6000 or 1 (800) 445-6289.

Additional Options

Once you receive your VyStar Visa Debit Card, there are a few additional steps you may need to take in order to enjoy all the wonderful benefits of being a cardholder:

Activate Your Card

To activate your new VyStar Visa Debit Card, just call 1 (800) 757-9848 and follow the instructions to select your PIN number and activate your card.

Note: If you received a new or replacement Instant Issue debit card at a VyStar branch, your card is already activated and ready to use. You do not have to take any extra steps to activate your card. You can start making purchases right away!

Change Your PIN

Whether you forgot your PIN or want to update it for security purposes, changing your PIN is easy. Just call 1 (800) 757-9848 and follow the instructions to change your PIN.

You can also change your PIN at the ATM if your card is already activated and if you know your existing PIN. Just follow these simple steps:

Insert your card into the appropriate slot at the ATM.
Enter your PIN.
Select “Other.”
Select “Pin Change.”
Enter your desired new PIN.
Re-enter your desired new PIN.
Your transaction is complete. If you’d like to make another transaction, follow the on-screen instructions.

Register for UChoose Rewards^®

Any VyStar member that has a VyStar Visa Debit Card or Signature Rewards Visa credit card is eligible to participate in the UChoose Rewards program. Enrolling your card in the program is easy:

Log in to Internet Banking.
Select “Settings/Service” from the menu at the top right of the screen.
Click “UChoose Rewards.”
Click “Enter,” then “Register,” and follow the instructions on the screen.

Click here for more detailed information about the UChoose Rewards program.

Get a Free High School Card Design

Go ahead, show your school spirit! VyStar members can get any of our 13 unique high school logo designs printed on their debit cards—at no charge. Just visit any VyStar branch near you and ask a representative how you can start cheering on your favorite team for free!

Keep a record of your debit card transactions

This will help you avoid spending more money than you have in your account. Overdraft protection arrangements can also be made to help protect you from mistakes or miscalculations.