SuperMoney
  VyStar Credit Union Free Checking Account

VyStar Credit Union Free Checking Account

in Checking Accounts from VyStar Credit Union · Member ncua

Unaffiliated

VyStar Credit Union Free Checking Account

Unaffiliated

in Checking Accounts from VyStar Credit Union · Member NCUSIF

Net Recommendation Score 0

SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of 0, equating to 3 on a 5 point rating scale.

0

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Rating not yet determined  

1 user recommends
1 user is unsure
1 user doesn't recommend
Cast your vote

Would you recommend VyStar Credit Union Free Checking Account to your friends?

Thanks for your vote!

You voted: May or may not recommend

Highlights
Community Rating

Rating not yet determined  

Monthly Fee $0
ATM Fee: Out-of-Network $3
Minimum Balance to Avoid Monthly Fee N/A
APY (Annual Percentage Yield) 0.1%

VyStar Credit Union Free Checking Account Review

VyStar Credit Union Free Checking Account is offered by VyStar Credit Union, a credit union founded in 1952 and based in Jacksonville, FL. VyStar Credit Union Free Checking Account is available in 2 states across the USA.

Key Takeaways
  • Low APY. The maximum annual percentage yield for this account is only 0.1%.
  • $0 monthly fee. This account does not charge a monthly Service Charge.
  • Small minimum initial deposit. You only need $5 to open an account.
  • No ATM fees. VyStar Credit Union Free Checking Account does not charge fees on ATM transactions within its network but there is a fee of up to $3 for out-of-network ATM transactions.
  • Free bill pay. Pay your bills to practically anyone in the United States through VyStar Credit Union.
  • Hard credit pull. VyStar Credit Union may require a hard pull on your credit report to open a checking account.
VyStar Credit Union Free Checking Account Pros & Cons
Pros Cons
  • Interest-yielding account.
  • Deposits are insured by the NCUA (up to $250K).
  • Access to physical branches.
  • Free debit card
  • No charge on incoming domestic or international wire transfers.
  • No signup bonus.
  • Not FDIC-insured.
  • Only available in 2 states.
  • Higher than average wire transfer fees.
  • Charges a higher than average fee on out-of-network ATM transactions.
VyStar Credit Union Free Checking Account FAQ

Are checking accounts from VyStar Credit Union federally insured?

Yes, your VyStar Credit Union checking accounts are insured up to $250,000 per person by the National Credit Union Share Insurance Fund (NCUSIF). Individual Retirement Accounts (IRA) are insured separately up to $250,000. The National Credit Union Administration (NCUA), a federal agency, administers the insurance fund and regulates federally insured credit unions. The fund is backed by the full faith and credit of the U.S. Government.

What APY does VyStar Credit Union Free Checking Account offer?

VyStar Credit Union Free Checking Account Rates & Terms
Description
APY (Annual Percentage Yield) 0.1%

VyStar Credit Union Free Checking Account offers an APY of 0.1% (APY stands for annual percentage yield, rates may change).

What are the account minimums for VyStar Credit Union Free Checking Account?

VyStar Credit Union Free Checking Account requires a minimum initial deposit of $5 to open an account.

VyStar Credit Union Free Checking Account Account Minimums
Description Amount
Minimum Opening Deposit $5

What fees does VyStar Credit Union Free Checking Account charge?

The good news is that this account does not have a monthly Service Charge.

VyStar Credit Union Free Checking Account Fees
Description
ATM Fee: In-Network $0
Check Copy $2
Debit Card Replacement Fee $5
Early Account Closure $5
Foreign Transaction Fee (Debit Card) 0%
Monthly Fee $0
NSF Fee $32
Online Bill Pay Fee $0
Overdraft Item Fee $32
Overdraft Protection Fee (per transfer) $0
Paper Statement Fee $0
Returned Deposit Fee (Domestic) $8
Returned Deposit Fee (International) $8
Stop Payment Fee $32
Wire Transfer Fee - Domestic (Incoming) $0
Wire Transfer Fee - Domestic (Outgoing) $15
ATM Fee: Out-of-Network $3

Does VyStar Credit Union Free Checking Account charge overdraft fees?

Yes, VyStar Credit Union Free Checking Account charges a $32 fee for every overdraft fee.

What features and perks does VyStar Credit Union Free Checking Account offer?

This account includes the following features:

  • Fraud monitoring - VyStar Credit Union Free Checking Account monitors transactions for potentially fraudulent activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
  • Free Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
  • Mobile Banking Services - VyStar Credit Union Free Checking Account allows you to manage your money online or with a mobile app. This includes depositing checks in your account with a mobile app on your smartphone.

How do people rate the customer service and user experience of VyStar Credit Union Free Checking Account?

Overall, VyStar Credit Union Free Checking Account is mostly recommended based on community reviews that rate customer service and user experience.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

  • Headquarters
  •   4949 Blanding Blvd
    Jacksonville, FL
  •   Visit Site

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 5:00pm
  • Tuesday 9:00am - 5:00pm
  • Wednesday 9:00am - 5:00pm
  • Thursday 9:00am - 5:00pm
  • Friday 7:30am - 6:00pm
  • Saturday 9:00am - 1:00pm

Other Services by VyStar Credit Union

Availability

  Available in 2 states
  • Florida
  • Georgia

Feature Breakdown

Minimum Opening Deposit Starting at $5
ATM Fee: In-Network $0
Foreign Transaction Fee (Debit Card) 0%
Monthly Fee $0
Online Bill Pay Fee $0
Overdraft Protection Fee (per transfer) $0
Paper Statement Fee $0
Wire Transfer Fee - Domestic (Incoming) $0
Check Copy $2
Debit Card Replacement Fee $5
Early Account Closure $5
NSF Fee $32
Overdraft Item Fee $32
Returned Deposit Fee (Domestic) $8
Returned Deposit Fee (International) $8
Stop Payment Fee $32
Wire Transfer Fee - Domestic (Outgoing) $15
ATM Fee: Out-of-Network $3
Bank Account Features
  • No ATM Fees
  • Free Bill Pay
  • Mobile Check Deposit
  • No Monthly Maintenance Fee
  • Interest Bearing Account
  • Mobile Banking
  • Fraud Monitoring
  • Fraud Protection
  • Debit Card
  • Bauer Financial A+/A Rating
  • NCUA Member
  • Branch Access
APY (Annual Percentage Yield) 0.1%

VyStar Credit Union Free Checking Account Community Reviews

 

Would you recommend VyStar Credit Union Free Checking Account to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
Cancel my vote
(will require moderator approval)

SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of 0, equating to 3 on a 5 point rating scale.

0

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

sorted by

Other Checking Accounts