Standard Checking Accounts

Enjoy no minimums, less fees and receive paychecks up to two days early.

Add a new checking account in minutes today.

Open an AccountSchedule an Appointment

More financial freedom.

  • No fees to transfer money or pay bills

  • 24/7 online & mobile banking

  • Access to 20,000+ no-fee ATMs nationwide

  • Check on your accounts with Magic*Touch phone banking service

  • Customizable VyStar Visa® Debit Card

  • Pay in-app with digital wallets

  • No monthly minimums

  • Get paid up to two days early with direct deposits**

Additional Checking Services

Getting Started with Checking is Easy

1

Become a Member

Quickly and easily complete your application online, by phone or at one of our branches.

2

Open Your Account

Not a VyStar member? Quickly open an account by completing our online application.

Already a member? Easily open an account through Online Banking.

3

Set Up Your Account

Sign up for Online & Mobile Banking and download the VyStar Mobile app to access your account anytime, anywhere.

Build Your Savings

Consistent investments over a number of years can be an effective strategy to accumulate wealth. Even small additions to your savings add up over time. This calculator demonstrates how to put this savings strategy to work for you.

Checking Account FAQs

What services do I get with a checking account?

With your VyStar Checking Account, you can get these services:

Are there any fees with a VyStar Checking Account?

You may be charged a fee in certain situations, including non-sufficient funds and returned checks. For a complete list of fee services, see our Member Fee Schedule.

Is there a fee for using a debit card?

There is no fee for using your debit card at a VyStar ATM or at one of the 55,000 ATMs worldwide within our network. To find VyStar ATMs and other surcharge-free ATMs, visit our Locations page. However, if you use your debit card outside of our network, you may be charged a fee.

Can I use Apple Pay® or other digital wallet services with a VyStar Checking Account?

Yes, you can use digital wallet services with a VyStar Checking Account, including Apple Pay, Samsung Pay®, Google Pay™, Click to pay, Fitbit Pay™ and Garmin Pay™.

Join VyStar Today

Related Tools & Resources

Health Savings Accounts

Lower your taxes while saving for qualified medical expenses with a VyStar Health Savings Account (HSA).

Holiday Savings Accounts

The holiday season can be demanding on your budget, but a Holiday Savings Account helps you set aside money throughout the year.

Kids Club Savings Accounts

Free savings accounts with kid-friendly learning tools help children 12 and under to develop good financial habits.

All new accounts are subject to approval.

Wireless provider data and text rates may apply. Certain restrictions may apply. 3G and new devices can view VyStar Credit Union's full website and all our products and online services.

Bill Pay offers overnight and same-day payments, when available; any fees associated with these options will be displayed.

**Posting is contingent on the originator releasing the payments into the network early.

All new accounts are subject to approval. Product offers, terms and other information provided herein are subject to change without notice. Due to the occasional inaccessibility to our web site which may be beyond our control, VyStar cannot guarantee the completeness or accuracy of the information provided herein.

VyStar Credit Union does business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.