VyStar Credit Union Opiniões 

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!

I had a large corporation just fraudulently take money out of my debit card last week ..this took cash away from me that I needed and planned to pay my bills with. I called Vystar numerous times to help me with replacement funds until this was sorted out. And the answer was no ..I have very good credit, have a Vy Star credit card have been with this bank for over 15 years. Luckily a friend was able to Zelle me money to cover the fraudulent losses but meanwhile ..Vystar says I may have to wait NINETY thats 90 DAYS for the funds to be replaced. This to me means my money is NOT SAFE , as if I frauded I have no recourse and have to figure out for myself what to do next ..I decided to put my deposit with another bank as this is just to risky for me

My experience with VyStar Credit Union has been consistently frustrating and far below the standard of any competent financial institution. After selling one of my properties, every mortgage document associated with the loan disappeared from the online portal. These records are essential for tax and accounting purposes, yet VyStar removed access without warning and has been unable to provide them despite months of requests.

Since January, I have spent countless hours being transferred between departments, receiving contradictory information, and speaking with representatives who clearly had no idea how to handle a basic request for past statements. I was even given an incorrect phone number. At one point, I was told the documents would be mailed to me — nothing ever arrived. I was later informed that VyStar does not allow customers to speak with a real person about past mortgages and that email is the only option. This level of disorganization is astonishing.

Unfortunately, this is not an isolated incident. I once sent an international wire through VyStar. When the recipient didn’t receive the funds after a week, VyStar told me to “wait another week.” After doing my own research, I discovered the wire had actually been rejected within 24 hours because VyStar entered the wrong account number. Despite the fact that no money was ever delivered, VyStar still charged me roughly $100 when the funds were returned. When I asked why I was being charged for their mistake, the response I received was essentially, “We don’t know — Chase Bank charges us.” In the end, I lost three weeks, the wire never went through, and I ended up paying about $140 for absolutely nothing.

Between the missing mortgage documents, the inability to speak with anyone knowledgeable, the incorrect information, and the mishandled international wire, it is clear that VyStar is not equipped to handle basic consumer banking responsibilities. Their internal systems and customer service processes are completely inadequate, and the burden is placed entirely on the customer to fix their mistakes.

I will be moving all of my business elsewhere, and I strongly advise others to think twice before trusting VyStar with their financial needs

Another problem with VyStar. A small business and they put a seven day hold on customers checks. Trying to make a business work how can you when VyStar kills you with holds that aren’t necessary.

I've never had a problem at any of the branches, but their online banking is TERRIBLE. It is frequently undergoing maintenance at the worst possible times. They need to hire better I.T. personal and project managers to make the system better. I never experience these issues with other banking apps including Citi, Capital One, Chase and Regions.

Once again Vystar online Banking is out for maintenance again. Their poor online banking has been an issue for years. For some reason they keep using the excuse it’s a scheduled maintenance. Why would they do a scheduled maintenance during the early afternoon on a Friday right before the weekend? Crazy!! I like many others I totally rely on checking my accounts very often throughout the day, especially since I’m a disabled veteran on a fixed income and having young teenagers. I think it’s time to make the change. Sorry Vystar!

They are the worst bank/credit union I’ve ever worked with. I thought banking local meant getting better service and care but unfortunately, that’s not the case. Use any other bank.