VyStar+ Checking
Enjoy up to $570 in annual savings by taking advantage of special benefits. Plus, get paid up to two days early with direct deposit and so much more.
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VyStar+ Checking offers exceptional benefits including travel and leisure discounts, identity theft protection and auto loan rate discounts, potentially saving you up to $570 annually.¹
Get paid up to two days early with direct deposit²
Fee reimbursements³
0.25% rate discount on any new or used auto purchase loan⁴
Earn daily interest on your account balance
All these offers, benefits and savings add up to amazing checking. And all for a low monthly fee of $5.99.
Plus, so much more.
Check out these benefits that help you save more each year (up to $570 in savings!).
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If you already have a VyStar+ Checking:
You can also download the VyStar+ Benefits Center mobile app from the App Store or Google Play Store.
Pay your phone bill with your VyStar+ Checking Account to activate phone coverage. This benefit will start the month after your first account fee payment.
Receive a reimbursement of up to $800 of replacement or repair costs if your cell phone is stolen or damaged, in the U.S. and abroad. $50 deductible applies. Up to two claims and maximum of $1,000 per eligible account, per twelve- month period Covers up to four phones on a cell phone bill. (Cell phone bill must be paid through eligible account.)
Earn cash back and get access to exclusive offers and discounts at thousands of leading online retailers.
Access to exclusive offers and discounts at thousands of leading online retailers. Simply shop online using our customized shopping portal and receive cash back. Your cash back can be held in your
$hopping Rewards account to use towards future purchases or conveniently sent to you as a check.
Money-saving discounts from thousands of local and national businesses.
Discounts from thousands of local and national businesses including hotels, restaurants, rental cars, museums, sporting events and more. Redeem and print coupons online or access discounts from a mobile device.
Enjoy buyers protection and extended warranty on purchases made with your VyStar+ Checking account. Buyers protection covers items for 90 days from the date of purchase against accidental breakage, fire or theft. Extended warranty extends the U.S. manufacturer’s original written warranty up to one full year on most new retail purchases if the warranty is less than five years.
Should you suffer identity theft, your very own dedicated fraud resolution specialist will help you every step of the way until your identity is restored.
Help better protect yourself and your joint account owners with benefits such as identity theft monitoring, credit file monitoring, access to credit report and scores and much more.
For expenses associated with restoring your identity.
Receive up to $10,000 to help pay expenses, clear your name and restore your identity, should you become the victim of identity fraud.
Daily credit file monitoring and alerts of changes to your Equifax credit report. You’ll know if key changes occur to your Equifax credit report, because we’ll be monitoring it and notifying you with custom alerts.
Ability to request a single bureau report every six months or upon opening an identity theft resolution case.
Regular access to your credit report allows you to monitor your credit history for any inaccuracies or signs of identity theft. This proactive approach helps you address potential issues promptly, ensuring your credit remains in good standing and protecting your financial well-being.
Ability to request a single bureau score every month. View your credit report, see credit alerts and explore how financial choices could change your score.
Monitor your personal information on the dark web and receive alerts when your personal information is exposed. Dark web monitoring, also known as cyber monitoring, is an identity theft prevention product to monitor your personal information on the dark web and receive alerts when your registered information is exposed online. Receive notifications via email and act early to help minimize or avoid identity theft.
Access to personalized resources and expert guidance to boost your financial confidence. Your one-stop spot for financial empowerment. Whether you’re beginning your career, managing a business or planning for retirement, we are here to help you navigate every stage of life.
Get Started in Three Easy Steps
Open Your Account
Not a VyStar member? Open an account in minutes by completing our online application.
Already a member? Easily open an account through Online Banking. Or schedule an appointment at your closest branch.
Set Up Your Account
Sign up for Online & Mobile Banking and download the VyStar Mobile app to access your account anytime, anywhere.
Complete Your Account
Once enrolled in Online & Mobile Banking, you can update your direct deposit information, automatic bill payments, transaction alerts and more.
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.
Call 904-777-6000
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See our membership qualifications details.
1 - Estimated values are based on approximate annual costs or savings for similar benefits in the marketplace. Benefits and features may vary by provider and may not necessarily reflect the exact features of the benefits offered through the VyStar+ Checking Account. Estimated values provided are approximate annual costs and savings as of April 2024 and are subject to change. No cash value is implied with use of this account or any of its features.
2 - Posting is contingent on the originator releasing the payments into the network early.
3 - Account holder can request up to two (2) fee refunds per account, not per account holder, during a single calendar year (January 1 – December 31). The following fees are eligible for this benefit: Non-Sufficient Funds (NSF), Courtesy Pay, Returned Check – Two Party Check, Official Check, Stop Payment, Dormant/Inactive Account and the VyStar+ Checking monthly fee. To request a refund, member must call the VyStar Contact Center at 904-777-6000 or 800-445-6289 or visit a VyStar branch. Branch locations and operational hours can be found on our Locations page. This benefit does not roll over to the next year. Benefit runs from January 1 – December 31 each calendar year that your VyStar+ Checking Account is open and in good standing. Fee must occur on the VyStar+ account that is being requested for refund and credit will be applied to same VyStar+ account.
4 - 0.25% rate discount will be applied after loan funding of a new or used auto purchase and verification of VyStar+ Checking Account loan rate discount. This offer is not available for existing VyStar auto loans. All loans subject to credit approval. VyStar+ Checking Account must be opened prior to loan opening. Rate discount will be applied within thirty (30) days of the loan funding and verification of the VyStar+ Checking and will be effective the date it is processed. The discount will not be applied retroactively. Your VyStar+ checking account discount may be combined with only one (1) additional rate discount, if applicable. Discounts will be automatically applied. Any additional discounts will not be applied or honored. First payment may be due up to 90 days from closing of the loan, certain restrictions may apply. Not all loans may qualify. Finance charges begin accruing as of the loan disbursement date. All credit union programs, services, rates, terms, and conditions are subject to change at any time without notice. Offer may end at any time without notice. If your loan qualifies, the rate discount will be applied after origination and your monthly payment will not be adjusted. The 0.25% discount will reduce the amount of interest, shortening the length of the loan term.
5- Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the certificate of insurance. All Guide to Benefits/insurance documents can be found online at vystarplus.vystarcu.org or through the VyStar+ Benefits Center mobile app. Insurance Products are not insured by the NCUA or any Federal Government Agency; not a deposit of or guaranteed by the credit union or any credit union affiliate.
*Please note: Some benefits require no-cost registration and activation.
Benefits are available to personal checking account owner(s) and their joint account owner(s), subject to the terms and conditions for the applicable Benefits. Benefits are available to non-publicly traded businesses and their business owner(s) listed on the account, but are not available to employees or authorized signers who are not owners. Benefits are not available to a “signer” on the account who is not an account owner or to clubs, organizations and/or churches and their members, schools and their employees/students. For revocable grantor trusts, Benefits are available only when a grantor is serving as a trustee and covers the grantor trustee(s). For all other fiduciary accounts, Benefits are available to the beneficiary, who must be the primary member (Fiduciary is not covered).