VyStar Credit Union Anmeldelser 

I recently visited the Fleming Island branch to open a business account for my single-member LLC and left extremely disappointed.
​I came fully prepared with my Sunbiz Articles of Organization, Operating Agreement, and LLC resolutions clearly showing 100% sole ownership. Despite having the documents in hand, the representative initially claimed I had no proof of ownership. When I pointed out that the ownership papers were right in front of her, the explanation abruptly changed to questioning my registered agent's address.
​To make matters worse, I was asked if my wife was a co-owner, proving the paperwork wasn't even read before conclusions were drawn. When I tried to fix the stack so she could see it clearly, she walked away to the back room.
​I wasn't looking for special treatment—just basic professionalism, an actual review of my documents, and clear communication. Combined with a prior experience where my card and digital access were unavailable due to a botched update while traveling internationally, my confidence in VyStar is entirely gone. I walked out without opening the account and will be taking my business elsewhere.

UPDATE LESS THAN 48 HOURS LATER:
I was approved by their competition with the exact same stack of paperwork. I will be by on my next day off to close my personal accounts.

By far the worst credit union I have dealt with! We traded in the camper to get away from this credit union. The rv dealer we pupate new rv from sent the payoff check to them and used the correct address. They lost the check. I called them multiple times to resolve the issue. Each time they were no help. The dealer reissued the check. They continued to say I owed them money rather than contacting the dealer and letting them know they had made a mistake and they needed to send 800.09 check to fix the mistake. They reported a 30 day late payment to all the credit bureau’s. It is now my problem to make sure they remove the derogatory information, which in the mean time cost me extra money for Insurance as they use the credit score to determine the premium.

They're not customer-oriented, and they are as terrible as a loan shark when it comes to wanting things three or four times, and at this point, we just walked away to a better deal.

Chastiee downtown was a pleasure to work with professional and courteous God bless.

We recently had a death in the family.
Representative Claudia was so helpful, very professional, made my wife feel at ease with checking and visa accounts , we will always remember how kind an knowledge she was , thank you for your assistance

This is the worst bank ever. They wanted to verify me, asked my my name, social security number, a code to phone and email, my drivers license issue date, last transaction date and amount and then after all that and was told I was verified, then they say they have to do a video call to verify again. This is absolutely ridiculous. I have accts with other banks and have never had trouble like this. They are rude and condescending on the phone. We are closing our acct.

I have been a VyStar Credit Union member for 30 years. I do not live close to a branch, but I reached out to Roger Queen at the Clermont location (the new office) for help with my account, and he exceeded all expectations. Roger managed a complex process with exceptional professionalism. I highly recommend Roger and the team at the Clermont branch. Well done.

Alachua branch. Like to recognize one outstanding employee Ginger, taking care of me for over 9 yrs. Providing exceptional service. my first debit card extremely patient, walked outside explain ATM machine. It is rare to find such dedicated customer service. Ginger so Beautiful Thank you. Tim Mills

Horrible company in every sense of the word. Had a loan that was paid on time every time (for years)... all the sudden, they stopped accepting our payments,,, that's right, they continued to return our payments (nothing changed on our end). No explanation given as unbelievable as it sounds. Now they damaged my otherwise perfect credit and offered no solution.

I’ve had a positive experience with VyStar overall. I have excellent credit, and the in-branch staff have always been friendly and professional. Unfortunately, my experience with Adriana in the underwriting department was completely different. She was extremely dismissive, unhelpful, and unprofessional, with little interest in listening to my concerns or providing any meaningful assistance.

I’ve dealt with other credit unions and major banks, including Chase, and have never had such a frustrating experience. I sincerely hope upper management reviews how customers are being treated within the underwriting department.

The credit app and website crashes constantly. The services on the app crash as well and issue error messages.
They also don't know how to manage my money. Currently, they have me charged 3 times for a 1 time purchase.

Are you aware of the growing concerns among Stockbridge taxpayers regarding the financial performance and taxpayer costs associated with the VyStar Amphitheater?

Your name is prominently attached to this facility, and as residents, we would like to understand what VyStar’s partnership with the City actually provides to the taxpayers who continue to support this venue financially\.

As a credit union that promotes financial responsibility and community involvement, we are asking VyStar to take an interest in the financial concerns of the community whose name and tax dollars are connected to this facility\.

**What is VyStar doing to ensure this partnership is also benefiting the citizens of Stockbridge—not simply providing value to the City and the VyStar brand?**

Stockbridge taxpayers deserve transparency\.

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. 🙂🙂