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  VyStar Credit Union Free Checking Account

VyStar Credit Union Free Checking Account

in Checking Accounts from VyStar Credit Union

Unaffiliated

VyStar Credit Union Free Checking Account

Unaffiliated

in Checking Accounts from VyStar Credit Union

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SUPERMONEY NET RECOMMENDATION SCORE

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Highlights
Community Rating

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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 0 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 maintenance fee.
  • 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.
  • 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.
  • 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 Initial 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
Monthly Fee $0
Paper Statement Fee $0
ATM Fee: In-Network $0
ATM Fee: Out-of-Network $3
NSF Fee $32
Overdraft Protection Fee (per transfer) $0
Overdraft Item Fee $32
Early Account Closure $5
Returned Deposit Fee (Domestic) $8
Debit Card Replacement Fee $5
Bank Teller Fee N/A
Check Cashing Fee N/A
Online Bill Pay Fee $0
Stop Payment Fee $32
Check Image Service N/A
Check Copy $2
Foreign Transaction Fee (Debit Card) 0%
Wire Transfer Fee - Domestic (Outgoing) $15
Wire Transfer Fee - International (Outgoing) N/A
Wire Transfer Fee - International (Incoming) N/A
Returned Deposit Fee (International) $8
Wire Transfer Fee - Domestic (Incoming) $0
ATM Reimbursement Monthly Limit N/A

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 Bill Pay - 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. This includes depositing checks in your account with your smartphone.
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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

Other Services by VyStar Credit Union

Availability

  Available in 2 states
  • Florida
  • Georgia

Feature Breakdown

Minimum Initial Deposit $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
  • Branch Access
  • NCUA Member
  • Bauer Financial A+/A Rating
  • Debit Card
  • Free Bill Pay
  • Fraud Monitoring
  • Mobile Banking
  • Interest Bearing Account
  • No Monthly Maintenance Fee
  • Mobile Check Deposit
APY (Annual Percentage Yield) 0.1%

VyStar Credit Union Free Checking Account Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

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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