VyStar Credit UnionReviews of vystarcu.org

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.

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.

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.

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.