VyStar Credit Union Avis 

Joint accounts showing up on my credit score that are not my accounts. Just bad service and a terrible online banking experience - including the lockout period a few years ago when online banking crashed for several weeks while they cutover to a banking system.

After 32 years with Vystar - I'm gone.
Don't bank here! You have been warned.

This place is just like all other banks. Holding deposit to be able to charge service fee. This bank is horrible

Disappearing Money
Vystar Bank sent money to close out one of our accounts in January and, admittedly, sent it to the wrong address.

The check, as verified by Vystar in July, has not been cashed and was not returned. The money is not in my account either but is clearly being held by the bank.

Vystar representatives said I had to wait 90 days and sign a form. I am not a lawyer, but by all accounts, the form made me liable no matter what happens. I am a decades long member with several substantial accounts and a perfect track record.

Don’t trust these people with your money.

I know everyone says that if they can rate this institution lower than a 1 they would do it in a heart beat. Based on my experiences, I am surprised they start with a 1. Also, VyStar is the only credit union that do not send surveys out to their members. That is obvious why…..here on trust pilot they are rated under a 2! That is not good at all. I have been a member of VyStar Credit Union for more than 20 years. During that time, I have never missed a payment, never defaulted on a loan, and have successfully paid off multiple auto loans and other accounts through VyStar. I have always considered myself a loyal and responsible member.

Recently, I applied for a credit card with VyStar, which would have been my second credit card through the credit union. I was informed that VyStar's policy only allows members to have one credit card account. While I was initially disappointed, I completely understood and respected their policy.

A representative contacted me and provided two options:
1. Increase the credit limit on my existing VyStar credit card, or
2. Proceed with the new credit card application and close my current card.
The reason I was seeking additional credit was simple: I wanted to transfer and eliminate a higher-interest credit card from another financial institution.

After considering my options, I told VyStar I would prefer to simply increase the credit limit on my existing card. Less than 30 seconds after making that decision, I was informed that my request had been declined.

After more than two decades of loyalty, an impeccable payment history, and years of trusting VyStar with my business, this was extremely disappointing. It felt as though my relationship with the credit union and my proven track record meant very little.

As a result, I have begun transferring my accounts to another credit union that appears to value long-term member relationships and customer loyalty. Once the transition is complete, I will no longer be doing business with VyStar.

Before choosing VyStar, I encourage prospective members to read the reviews posted over the past few years. Many of the negative experiences come from long-standing members like myself who have supported this institution for years. Unfortunately, the VyStar I joined over 20 years ago is not the same organization it is today.

My gut feeling was telling me not to apply. However, I could not think of any reason why I shouldn’t considering my history. I totally regret not listening to my gut feeling. VyStar obviously don’t build relationships with their members. Very disappointed. People please do yourself justice and read all the negative reviews! It gets worse every month based upon n the posted dates of these reviews!

Vystar credit union Wabash ave. Jax. My name is Susan. I banked here ever since it was the only branch in Jacksonville over 25 YEARS. Since the renovtion, remodeling and service changes, it has become Sterile and Unwelcoming. I have slowly been moving my monies and business to another credit union. I could not put a correct date in this review as my review covers since renovation...........

ONLINE SITE IS TERRIBLE!!!!!!!!!!!!!!!!!!!!

Rayshon went above to help me. He was very patient and understanding even with my standing up at the counter by offering me a seat as I wait.
Got all of my issues corrected and made a deposit.
Patience is KEY.

Yes My name is Neal, and I wanted to show my appreciation to their staff member Bobby for greeting me and making me feel welcomed At Vystar Chaffee point branch this morning.

It’s rare these days for that type of excellent customer service by greeting customers hospitably that really makes a person’s day go by real smooth. Thanks Bobby kudos to you. 🙂🙂

Today, represents a milestone for the 2 star review. Maybe five years ago, I gave 4 stars. Vystar changed their platform it is not as simple or dependable, Vystar is now charging additional fees, this includes if there is a transfer fee from one linked account to another. The wait times are long, if there is no transactions in an account for 6 months to a year, Vystar closes the account and takes the money. My daughter had a Bravo account, with money in it, as of February it is emptied with a 0 Balance. They continue to deposit money into wrong accounts. System is constantly going down. Vystar is suppose to be a Credit Union, but it operates as a Bank, with extra charges. After 25 years, it is time to make a change. I do not recommend Vystar to be dependable or trust worthy with our money.

The paper statement fee was one dollar, no problem, then without notice it was two dollars, still not a problem. What a bunch of weasels. I’ll probably go paperless then start using my Fidelity VISA instead. I don’t carry a balance. It’s funny because the credit union mails me dumb newsletters that they waste money on yet care me a fee for a paper statement I’ll gradually migrate my account to Fidelity

I have been a member for over 20 years as well as employed with the same employer. I have never awakened to my check not in my account on the pay date. I have to wait until 1pm today! Unacceptable!
And I want the $29 Courtesy Pay, caused by VYSYTAR refunded.

I had a mortgage with Vystar, and then refinanced with them as well. What went wrong? What didn’t. First the good, my mortgage officer team were excellent, in particular Ryan. The rate was also below average.

Now the bad…let’s see, to refinance I was initially told that I would have to have a certified check…the day before Christmas. When all banks close early. I kid you not. Turns out not to have been true, but I lost a year of my life trying to resolve it.

Then, Vystar continued to withdraw money from my bank account for the new AND old mortgages. That’s right, they did not stop when they refinanced my mortgage. I eventually caught on after 3-4 months, when they had 40k of my money. Then..and I kid you not, after much hassle they told me that they had sent 2/3 of my money in a check…to a house in Delaware I had not lived in for almost 2 years. Keep in mind that THEY WROTE THE MORTGAGE AND REFINANCED THE HOUSE I ACTUALLY LIVE IN. But wait! I’m not done, they then told me they would not be able to reissue that check for 90 days. That’s right. They could not cancel it and send it correctly.

But I’m not done! No. When I called and asked for a supervisor…I was told..wait for it..it takes 3 TO 5 BUSINESS DAYS FOR SOMEONE TO RETURN YOUR CALL! Am I kidding? I wish I were.

Basically , please avoid this bank at all costs. Looks good on paper, but whether it’s nefarious or just incompetence it is obvious that they are not capable of performing even the basic duties of a bank. Buyer beware.

We had the misfortune of getting involved with Vystar in November of 2025 when we purchased a home in Florida. The minor problem is getting them to send statements to the correct mailing address. I have gone online in addition to struggling with their insufficient phone system 3 times to have the address corrected with no success. I have been told each time that it was corrected. The huge error they made involved their autopay system. I prepaid part of the principal thru their confusing prepayment online. In addition to the prepayment, they also took out an additional monthly payment which admittedly I did not notice. On March 27 I again struggled with their phone system to talk to someone in their mortgage department to make sure a payment would not be deducted for April 1st. I was told no payment would be deducted so there was no need to stop autopay. When I checked my bank statement on April 2, I see they had deducted almost $700 payment which they were not entitled to and could have caused me real problems if I didn't have the funds. They are totally inept conducting business in their office. I am paying off the mortgage I have with them to rid myself of the problems they cause. I would recommend that anyone who hears the name Vystar, eliminate them from consideration and go with a lender that is more in control of the services they provide.

STOLE MY MONEY AND DEDUCTED MY CREDIT SCORE WHICH HAS BEEN GREAT FOR OVER 10 YEARS! THEY ARE NOT A COMPANY TO TRUST! DO NOT GIVE THEM YOUR MONEY! THEY ARE SUCH LIARS AND WILL STEAL FROM YOU!!!!!!!!!!!!

I would not let these people run my dogs retirement program. Tyler Coe obviously can’t read a message from his security department where I was hacked by the Chinese and he decided to extend a 48 hour hold on each transaction to an indefinite transaction. He literally wiped 200 points off of my credit score because he was such a weak need “manager” about taking any risk and apparently he can’t read a paragraph from his own fraud department. Send the police out on a wellness check on me which was nonsense and actually put an end this is no joke and this is not a typo. Put a 67 year fraud lock on my account. the police came out on a wellness check on me!!! which was nonsense and actually put an end to this Is no joke and this is not a typo. Put a 67 year fraud lock on my Equifax account. I’ve had over an 800 score with Equifax, Trans Union and Experian for over a decade + and in a matter of two weeks because he’s such a risk free, i.e. his risk not your risk. cannot read a letter from corporate and you should not go to him if I was trying to house my dog for a weekend. The damage he did to my credit rating is beyond exclamation beyond explanation, and I repeated that intentionally worthless. Avoid at all costs

Their idea of "customer service" is denying you access to any information about your account.
They try to say they are "keeping your account safe" by telling you that all your information is wrong and denying you access.
I have complained to corporate and all they do is defend their horrible agents.
I've begun reporting every incident to the NCUA.
Some of their branch people are so rude I won't go inside anymore.
PLEASE.. do yourself the favor of AVOIDING this NIGHTMARE.

Held my refund $ for 2 weeks…. No notice….. paid my cancelled hi, and current hi….. these were both eventually repaid. Increased my mtg pymt from 550$to 1100$ , no explanation…. Found all of this myself….. coj took my Ho exemption w/o notice….. been a fiasco….. finally got my $ back ….. still no notice from vystar….. other than my statement went from 1100$to 698$…. They( vystar )still owe me $$….. will payoff mortgage (2500)$ and cancel anything vystar, and tell others to steer far away from……. Like all businesses since 2021….not the same😡

After being with 121 Financial for over fifteen years they were sold to Vystar, From day one till know I have problems with them. It takes up to twenty minutes to cash a check, any the list of problems go's on and on. I am finding another bank ASAP and closing my account. Save your time, and go some where else!

Recently signed a contract to purchase a home and had a great original lender. Unfortunately, Andy Markley with Vystar came into the picture and offered a lower rate. This would have been wonderful if they hadn't operated in bad faith. During our closing, Vystar demanded that we fix every issue wrong with the home, including a missing mailbox and a door that was slightly crooked... Yes, a slightly crooked door. I'm not making this up. Our personal belief is that they did this because they wanted to push their renovation package, where you only pay interest for a year while you renovate and fix these items. This home was being sold AS IS and they knew that. On top of this, the lack of communication and urgency from the team was abhorrent. Overall, I felt like we were scammed. I'm beyond irritated at the waste of money and time.

Louise Workman and Ryan Bailey on his team were also incredible stand offish and difficult to work with.

Stay away from Vystar.

I dealt with Artem Trapeznikov at the Vystar CU Bartram Oaks Walk branch......he redid my car loan and helped me with several other transactions. Absolutely fantastic customer service....super polite and answered every question I had. Just a pleasure to work with! Thank you Artem!