Credit and Debit Card Protection

You won’t be held responsible for unauthorized transactions made with your Visa® credit, debit or prepaid card. If your card is lost, stolen or fraudulently used, you’re covered. And, all our Visa cards have EMV chips, for an extra layer of protection. Learn more about Visa’s Zero Liability Policy.

Reporting a Lost or Stolen Card

If your debit or credit card is lost or stolen, call the VyStar Contact Center at 904-777-6000 or 800-445-6289, option 2 or visit your local VyStar branch.

For credit cards, you can also use online or mobile banking to report a lost or stolen card or to report a dispute for an unauthorized or disputed transaction.

Fraud Alerts

We actively monitor members’ card transactions for suspicious activity. When a suspicious transaction appears on your debit or credit card, you will receive a fraud alert by text message, phone or email. You can also set up your own alerts through online banking for specific events, such as a low balance notification or a change to your password or contact information.


VyStar does not charge a fee for the fraud text alert service; however, standard text message and data charges may apply. If you are unsure about your mobile carrier’s rates, please contact your service provider.

Message delivery can depend on the service area and wireless carrier.