External Transfers
Move money electronically between your VyStar account and other financial institutions with ease.
How to Access
From your account dashboard, navigate to the Pay & Transfers dropdown.
On mobile, look for Transfers. Then select External Transfer from the options.
From here, you can create a new transfer to a list of previously saved external accounts, add new external accounts and look at your recurring transfers.
How to Add an Account
Select Add next to External Accounts in the upper right to create the account to receive the transfer. On mobile select Add Payee from the dropdown.
Select your your external financial institution from the search bar.
Enter your username and password for the selected financial institution and submit.
If successful, you may begin transacting on the linked account.
How to Add an Account Manually
If your financial institution does not participate in instant account verification or you're unable to provide your online banking credentials, external accounts can be added manually.
Select the Link Using Account Number option in the Add Checking/Savings Account field. On mobile, select Add Ext. Account.
Enter the routing transit number, and account number number and choose from the Account Type dropdown to select if it is a Savings or Checking Account.
You may enter an optional Account Nickname, which will appear in your list of saved external accounts.
Review and accept the terms and conditions.
Select Save to add the new external account.
How to Verify an Account
In order to complete the set-up process two small deposits will be made to your external account within 1 to 2 business days. The account will show as In Process during this time.
Return to the External Transfer menu
In the External Accounts list, find the account you wish to verify and select Activation Required.
Enter the two deposit amounts to activate or delete the account.
Once your external account is activated you will be able to select it from the list of connected accounts and make external transfers.
How to Make a Transfer
Once your accounts are connected:
Select the to account and the from account from the list of connected accounts.
Enter the date of the transfer or select it from the calendar. *Recurring transfers will need a start and an end date.
Type the amount of the transfer.
Then select the frequency of the transactions.
Then Continue.
Next, you’ll see a transaction confirmation.
Select Done.
Frequently Asked Questions
Which Accounts are eligible for External Transfers?
Only personal accounts and estates are eligible. Business and youth accounts are ineligible.
Are there Accounts I can't use to schedule external transfers?
401K accounts
Business accounts
Certificate of Deposits (CD) or other time-based accounts
Custodial and/or Trust Accounts
Individual Retirement Accounts (IRA)
Loan accounts (including credit card and equity accounts)
Can a VyStar loan be paid using external transfer?
Yes. Select the external account to transfer from, then the loan account in the To section.
Where can I find the external transfer micro-deposit entry on the mobile app?
Using the mobile app, navigate to External Transfers. From the dropdown menu select Manage External Account. Select the preferred external account where you’ll see two input fields for entering your deposit amounts.
What is the transfer cut-off time?
5 p.m. EST on normal business days.
How long does it take a transfer to post?
All transfers will show up within 3 business days.
Can payments be sent outside the U.S. or its territories?
No, funds can only be sent in the U.S. or its territories (this includes APO and FPO addresses) and the funds can only be sent or received as U.S. currency.
Can I set up recurring transfers?
Yes, transfers can be one time or recurring.
Can I view transfers that have been sent or received?
Yes, under the Transfer/Send tab.
Can I cancel or edit a transfer?
Yes, if a transfer is pending. However, a transfer can’t be edited if it has already been completed.
Are there any address or email restrictions?
Emails do not have any special restrictions.
A U.S. addresses is required.
What are the restrictions when adding accounts?
Only accounts at financial institutions in the U.S. can be added.
What is the registration timeframe and verification requirement?
Once your external account information (account number & routing number) is added, it is verified by micro deposits and normally takes place within 2 business days.
You’ll enter the two micro deposit amounts in the External Transfer verification fields. Once completed, you can start transferring funds.
What if there isn’t enough money in the funding account?
If the money is not available, the transaction is rejected and it will be charged as insufficient funds (NSF) for the attempt.
What if the micro-deposits are not received or fail?
If the micro-deposits are unsuccessful, the account will show Not Verified on the Preferences screen.
What if the account does not exist or a transaction is rejected?
If the account is closed or does not exist, the funds are returned to the receiving account, which can take up to 3 business days.
These videos are intended only as a representation of the Online & Mobile Banking experience. Consequently, they may not always accurately reflect ongoing updates and enhancements.
