Checking Accounts
Make everyday banking count. Enjoy no minimums, fewer fees and receive your paycheck up to two days early with a VyStar Checking Account.
Open an AccountSchedule an AppointmentChoose the Account for You
Earn interest on your daily balance, enjoy 24/7 Online & Mobile Banking, gain access to 55,000 surcharge-free ATMs worldwide, get paid up to two days early with direct deposit** and more.
VyStar+ Checking | Standard Checking | Senior Checking | Youth Checking | |
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Description | Earn up to $570¹ in annual savings with benefits such as auto loan rate discounts, travel and leisure discounts, fee reimbursements, identity theft protection, credit monitoring and more. | Enjoy no fees to transfer money or pay bills. | Get free photocopies, direct collection and domestic wire transfers. | Available for ages 17 and under. Easily transfer money into your child’s account at any time and get paid dividends. |
APY | 0.10% | 0.00% | Varies by account type | 0.10% |
Minimum Balance | None | None | None | None |
Monthly Fee | $5.99 | $0 | Varies by account type | $0 |
Open an Account | Open an Account | Open an Account | Schedule an Appointment |
VyStar+ Checking | |
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Description | Earn up to $570¹ in annual savings with benefits such as auto loan rate discounts, travel and leisure discounts, fee reimbursements, identity theft protection, credit monitoring and more. |
APY | 0.10% |
Minimum Balance | None |
Monthly Fee | $5.99 |
Open an Account |
Standard Checking | |
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Description | Enjoy no fees to transfer money or pay bills. |
APY | 0.00% |
Minimum Balance | None |
Monthly Fee | $0 |
Open an Account |
Senior Checking | |
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Description | Get free photocopies, direct collection and domestic wire transfers. |
APY | Varies by account type |
Minimum Balance | None |
Monthly Fee | Varies by account type |
Open an Account |
Youth Checking | |
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Description | Available for ages 17 and under. Easily transfer money into your child’s account at any time and get paid dividends. |
APY | 0.10% |
Minimum Balance | None |
Monthly Fee | $0 |
Schedule an Appointment |

Early Direct Deposit: Get paid up to two days early
Surcharge-Free ATMs: Access 55,000 ATMs worldwide.
Earn Interest: Grow your daily balance.
No Transfer Fees: Transfer money or pay bills without fees
Digital Wallet: Pay conveniently online and in-store.
Exclusive VyStar Debit Cards
Discover the perks of our Exclusive VyStar Debit Cards, designed for members who want to show their support with every purchase:
Orlando Magic Debit Card: Up to 35% off tickets to select Magic home games, access to exclusive Magic merchandise, and special invitations.²
Orlando Solar Bears Debit Card: 30% discount on home game tickets, free tickets for the first 100 VyStar members, and unlimited buy-one-get-one-free offers.³
Savannah Ghost Pirates Debit Card: Discounts on select home game tickets⁴ and a 10% discount on online merchandise.⁵
High School Debit Card Give Back Program: Supports local schools with up to $10,000 per year.⁶
Military Appreciation Debit Card: Show your support with every swipe.
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.
Checking Account FAQs
How do I open a Checking Account?
What services do I get with a checking account?
Is there a fee for using a debit card?
Can I use Apple Pay® or other digital wallet services with a VyStar Checking Account?
Related Tools & Resources
e-Statements
With advanced security measures, you can enjoy peace of mind knowing that e-Statements reduce the risk of your statements being lost or stolen. Plus, get instant access to your financial information.
Overdraft Protection
A little backup never hurts, especially if you’re balancing multiple accounts or monthly subscriptions. Overdraft coverage can help you avoid fees caused by bounced checks and returned transactions.
Calculator
Whether it’s figuring out a plan of action to pay off your debt, save for your first home or to build your emergency savings fund, our financial calculators can help you get started.
See our membership qualifications details. 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.
*Posting is contingent on the originator releasing the payments into the network early.
1 - Estimated values are based on approximate annual costs or savings for similar benefits in the marketplace. Estimated values are subject to change. No cash value is implied with use of this account or any of its features. Some benefits require registration/activation. The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the benefits described. See full terms and conditions for all VyStar+ Checking benefits at https://info4.vystarcu.org/vystarplus-checking/savings.
2 - VyStar Credit Union members can receive up to 35% off tickets to select Orlando Magic home games using your VyStar debit or credit card. You can view game options and special offers. The discount will be unlocked
when the card number is entered.
3 - Use code VYSTAR to buy discounted tickets online.
4 - VyStar members receive a discount on select home game tickets when purchased through our exclusive ticketing page.
5 - VyStar members can receive a 10% discount on Ghost Pirates merchandise when purchased online. Shop for merchandise now and use code VYSTAR at checkout.
6 - All new accounts are subject to approval. Product offers, terms and other information provided herein are subject to change without notice. Must have an eligible VyStar co-branded high school debit card. VyStar will donate five cents for each purchase made on a qualifying debit card, back to your school up to $10,000 annually. Donation will be paid to school on or around February of the following year.