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  VyStar CU Free Checking Account
VyStar CU Free Checking Account
in Checking Accounts from VyStar Credit Union · Insured by NCUA
Unaffiliated

VyStar CU Free Checking Account

Unaffiliated
in Checking Accounts from VyStar Credit Union · Insured by NCUA
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
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Highlights
Community Rating

Rating not yet determined  

Cashback Rewards N/A
APY (Annual Percentage Yield) 0.1%
Monthly Fee $0
Minimum Balance to Avoid Monthly Fee N/A

VyStar CU Free Checking Account Review

VyStar CU Free Checking Account is offered by VyStar Credit Union, a credit union founded in 1952 and based in Jacksonville, FL. VyStar CU 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 CU 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.
  • Bill pay. Pay your bills to practically anyone in the United States through VyStar Credit Union.

VyStar checking account Pros & Cons

Pros Cons
  • Dividend-yielding account
  • Insured by NCUA.
  • Access to physical branches.
  • Free debit card
  • No charge on incoming domestic or international wire transfers.
  • No signup bonus.
  • Does not provide access to a nationwide ATM network.
  • Only available in 2 states.
  • Higher than average wire transfer fees.
  • Charges a higher than average fee on out-of-network ATM transactions.

VyStar 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 share owner for each account ownership category. 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 checking account offer?

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

VyStar checking account offers an APY of 0.1% (APY stands for annual percentage yield, rates may change).

What are the account minimums for VyStar checking account?

VyStar checking account requires a minimum initial deposit of $5 to open an account.

VyStar CU Free Checking Account Minimums
Description
Minimum Opening Deposit Starting at $5

What fees does VyStar checking account charge?

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

VyStar CU Free Checking Account Fees
Description
Monthly Fee $0
ATM Fee: In-Network $0
ATM Fee: Out-of-Network Starting at $3
Foreign Transaction Fee (Debit Card) 0%
NSF Fee $32
Overdraft Item Fee $32
Overdraft Protection Fee (per transfer) $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
Paper Statement Fee $0
Online Bill Pay Fee $0
Check Copy $2
Debit Card Replacement Fee $5
Early Account Closure $5

Does VyStar checking account charge overdraft fees?

Yes, VyStar checking account charges a $32 fee for every overdraft.

What features and perks does VyStar checking account offer?

This account includes the following features:

  • Fraud monitoring - VyStar checking account monitors transactions for potentially unauthorized activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
  • Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
  • Mobile Banking Services - VyStar 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.

What is the customer support email for VyStar checking account?

The customer support email for VyStar checking account is social@vystarcu.org.

How do people rate the customer service and user experience of VyStar checking account?

Overall, VyStar checking account is mostly recommended based on community reviews that rate customer service and user experience.

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Message From VyStar Credit Union

Better everyday banking means more for free and less fees. Discover how easy it is to make the switch today. When we say free, we really mean it. No fees to transfer money or pay bills. 24/7 online & mobile banking. Access to 20,000+ no-fee ATMs nationwide. Check on your accounts with Magic*Touch phone banking service. Customizable VyStar Visa® Debit Card. Pay in-app with digital wallets. Earn interest on your daily balance. No monthly minimums. Receive directly deposited funds up to 1 day early. Getting Started with Free Checking is Easy!

Contact

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
Monthly Fee $0
ATM Fee: In-Network $0
ATM Fee: Out-of-Network Starting at $3
Foreign Transaction Fee (Debit Card) 0%
NSF Fee $32
Overdraft Item Fee $32
Overdraft Protection Fee (per transfer) $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
Paper Statement Fee $0
Online Bill Pay Fee $0
Check Copy $2
Debit Card Replacement Fee $5
Early Account Closure $5
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Verification Documents Required
  • Proof of citizenship/residence (Green Card)
  • Proof of Identity
  • Government Issued Photo ID
  • Social Security Number
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
  • Insured by NCUA
  • Branch Access
Signup Bonus Starting at $0
APY (Annual Percentage Yield) 0.1%

VyStar CU Free Checking Account Community Reviews

 

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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.

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