1. finance
2. personal finance
3. lending
4. credit cards

V
V YY S
S TTAA RR
O W N E R’S
MANUAL
V ISION S TATEMENT
The vision of VyStar Credit Union
is to be the primary financial
institution for its members and to
bring credit union services to
more people.
M ISSION S TATEMENT
The mission of VyStar Credit
Union is to focus on serving the
financial needs of our members
by providing quality services
while maintaining fiscal
soundness.
Quality service is our most
important goal.
AT V Y S TA R , Y O U ’ R E
IN
CONTROL
This booklet is all about you.
Your needs, your goals, and the best ways to use your money to fulfill them.
That’s because VyStar is owned and operated by its members, for its members.
Because of this, you will enjoy benefits rarely found at a typical financial
institution.
Our goal is for our members to receive the personal attention of financial
representatives who continue the tradition of customer service excellence.
Take a look at your Owner’s Manual and discover your financial future.
Employees are our most
important asset.
We’re always happy to hear from
you and help in any way we can.
We never forget that it’s your
money.
If you have any questions,
call us at (904) 777-6000 or
(800) 445-6289, option 9.
Thank you for being a member.
You’ve got it all right here.
OUR CORPORATE VALUES:
Integrity
Caring
Trust
Courage
Loyalty
Respect
Dedication
CHECKING
CHECKING.............................................. 6
AND
RETIREMENT .......................... 8
INVESTMENT
S AV I N G S
SAVINGS
Visa® Check Card, Senior Class, Money Market, Overdraft
Protection Arrangements
I N V E S T M E N T S , F I N A N C I A L M A N A G E M E N T,
I N S U R A N C E S E R V I C E S . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12
LOANS
VyStar Investment Services, and VyStar Financial Group, LLC:
VyStar Title Agency, VyStar Insurance Agency, and Services for
Buying and Selling Real Estate
L O A N S . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 14
CREDIT
Autos, Boats, Recreational Vehicles, Motorcycles, Home Equity............
Mortgages, Money Makeover, and Financial Counseling
C R E D I T C A R D S . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 20
CARDS
Platinum Rewards Plus, Platinum Cash Back, and Platinum Visa® Cards
I N T E R N E T B A N K I N G . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 25
INTERNET
Free Bill Payer, Electronic Statements, Wireless & Text Message Banking
B U S I N E S S S E R V I C E S . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 26
BUSINESS
Loans, Checking, Credit and Debit Cards, Savings, Payroll, Credit Card
Payment Processing
C O N V E N I E N C E S E R V I C E S . . . . . . . . . . . . . . . . . . . . . . . . . . . . 28
VyStar Online, ATMs, Call Center and VyChat, Automated Services
OTHER
Y O U R M E M B E R S H I P . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 30
Visa® is a Registered Trademark of Visa International Service Association
©2014 VyStar Credit Union
3
O U R H I S T O R Y, Y O U R F U T U R E
Commitment. It’s always been a way of life for us.
VyStar Credit Union was originally founded in 1952
as Jax Navy Federal Credit Union to serve civil
service, military employees and their families at
Naval Air Station Jacksonville. After the first year of
operation it counted 1,100 members and just over
$28,000 in assets. We are proud of our beginnings
and extend that pride today as we have grown to
become one of the largest credit unions in the nation.
“Our credit union was founded at a time when it was
difficult for members of the military to borrow money,”
stated Michael Cascone, the first member of VyStar
Credit Union and one of the individuals who helped
establish it. “Back in the 1950s, credit was not easy
to come by for working men and women. Credit lines
were all but impossible to get. And it was very hard
to finance an automobile through a bank. What we
wanted was a place where blue collar workers could
open an account and a place that would provide
credit to individuals who had few options.”
A nine-person volunteer Board of Directors provides
strategic direction and oversees the management of
the credit union for its members. Our volunteer Audit
Committee adds balance to the credit union’s
activities as it actively oversees special activities
and internal audits for the credit union. Additionally,
there are more than 1,000 employees who keep the
VyStar operation running smoothly for the
membership each day.
4
The deposits you have in VyStar are insured by the
National Credit Union Share Insurance Fund
(NCUSIF) or the Fund, an arm of the National Credit
Union Administration (NCUA). Ask us for a copy of
“Your Insured Funds” for complete information on the
type of insurance coverage you have.
Established by Congress in 1970 to insure member
share accounts at federally insured credit unions, the
Fund is managed by NCUA under the direction of the
three-person NCUA Board. The members of the
NCUA Board are nominated by the President of the
United States of America and confirmed by the
Senate. Your insurance is similar to the deposit
insurance protection offered by the Federal Deposit
Insurance Corporation (FDIC). Not one penny of
insured savings has ever been lost by a member of
a federally insured credit union.
VyStar is chartered and regulated by the State of
Florida and is a federally insured credit union.
We’ve grown to offer membership to all individuals
living or working in any of the Northeast Florida
counties, along with businesses located in the area.
Throughout this tremendous growth, our allegiance
has remained sure – continuing the tradition of
“People Helping People.”
LOOKING FOR MORE?
F I N D V Y S TA R .
5
YOUR CHECKING SERVICES
Our members receive interest on the money kept in accounts with
VyStar. The rate of the interest received is dependent upon the rates
that we charge for loans and the income we receive from investments,
as well as our ability to cost effectively manage the operations of the
credit union. Our interest rates are reviewed weekly by a team of Senior
Management employees and volunteer Board Members designated as
the Rate Committee. Rates are posted in the branches and available
on our website at www.vystarcu.org.
Checking
Get the Checking Account that–offers you more. Earn a competitive rate on
your daily balance and enjoy these exclusive members-only benefits:
•
•
•
•
•
•
Earn Interest on All Deposits
Make your money work harder and smarter.
Free Unlimited Check Writing
Write as many checks as you want.
No Monthly Service Charges
Keep more of your money working for you.
No-Fee Visa® Check Card that Earns Rewards
Earn UChoose Rewards® points when you use VyStar’s Check
Card and choose to sign for your transaction instead of using a
PIN. Redeem your points for travel, merchandise, gift cards,
tickets. Go online to get Purchase Rewards offers. Check
Cardholders can select retail offers via Internet Banking/Overview
page, go shopping as directed, and get cash back on their card.
No Minimum Balance Requirements
Benefit from the financial flexibility you need.
Overdraft Protection Arrangement
Protect your account against depleted cash flow.
We suggest that you order duplicate checks on your Checking Account
since VyStar does not return the original checks in your monthly
statements. Copies of your cleared checks are available in Internet
Banking on our website at www.vystarcu.org.
6
Checks may be ordered at any branch office,
through our Call Center, or on our website.
Senior Class
We have a special program for our members who are fifty or better
through Senior Class. Our Senior Class option to the checking
account includes what our Checking Account offers, plus FREE:
•
•
•
•
VyStar custom checks or a $10 credit towards other styles
ordered from VyStar
Photocopies
direct collection of bond coupons and foreign checks and drafts
Free domestic (U.S.) wire transfers; incoming International wires
only
Money Market Account with Checks
When you want an account that boosts your earnings even further,
check out VyStar’s Money Market Account.* Your Money Market
Account earns interest at competitive market rates. And you’ll earn
even higher rates on larger balances. This account includes:
•
•
•
•
•
No Minimum Balance Requirement
Earn competitive rates even on lower balances.
Competitive Interest
Calculated daily, compounded daily and credited monthly.
Tiered Yield Structure
The more money you have, the more you earn.
Optional Overdraft Protection Arrangement
For your financial piece of mind. (Restrictions apply.)
Plus Checks for Easy Access to Funds
Your Money Market Account offers checks for your
convenience (up to six checks per statement cycle.)
*ACCOUNT RESTRICTIONS: For all Savings and Money Market Accounts, no more than
six (6) preauthorized, automatic, Internet, or telephone transfers and withdrawals may be
made from these accounts to another account of yours, to a third party, or by check, draft
or access card in any statement cycle. If you exceed these limitations, your account may
be subject to closure by the credit union. Does not apply to Health Savings Accounts or
VyTeen Savings Account or Kids Club Accounts.
VyStar Visa® Check Card that earns Rewards
VyStar’s Visa Check Card is the buying power of your
checkbook that fits conveniently into your wallet.
UChoose Rewards® points: With every signature-based
transaction you perform with your Check Card you will earn
UChoose Rewards points on qualified purchases. Redeem your
points for travel, merchandise, gift cards, event tickets and more.
Plus, get extra points when you shop at participating retailers (get
retailer points offers online). Track, get offers and redeem your points
via Internet Banking, www.vystarcu.org – click the Additional Services
tab on the home page and UChoose Rewards or visit the UChoose
Rewards website, www.uchooserewards.com.
Purchase Rewards® cash back: An Internet Banking service for
your checking account and Check Card. On the Overview page,
review and activate the Purchase Rewards discount offer you like.
Then, shop at the participating retailer, use your Check Card to
pay (offers vary), and get cash back deposited directly into your
checking account 30-60 days after you redeem the offer.
Use Visa Check Card at merchants where Visa Check Card is
accepted. Your purchase will reach your checking account in
“real time” and an amount will be deducted. Monitor your
transactions as they occur via Internet Banking, Mobile Banking
and Text Message Banking services. Using the “credit” option
when using your Check Card to purchase goods gives you
greater security since you are asked to sign the sales document*
instead of entering your PIN.
*Receipts aren’t always issued on purchases of $15 or less.
It’s an ATM card, too. There is no surcharge fee when you use
your VyStar cards at any VyStar ATM. Check VyStar’s account
disclosure for withdrawal limitations on your card.
Optional Overdraft Arrangement
account have less money in it than is necessary for all your
checks, debit card purchases, ACH transactions and ATM
transactions to clear. Avoid the embarrassment of having your
checks returned. These programs safeguard you from
insufficient funds fees and check returns.
Savings Account – You can use your Savings Account to make
overdraft protection arrangements. Money from your Savings
Account is automatically transferred to your Checking Account
when your Checking Account is shown to have insufficient
funds. You may only transfer the amount of funds that are
currently available in the Savings Account. Only one Savings
Account may be designated as your source of funds for
overdraft protection.
Due to government regulation, only six preauthorized, automatic, telephone,
Internet Banking or Magic*Touch transfers may be made from your Savings
Account per month. Of these six, no more than three may be made by check,
draft or access card. Be careful not to exceed these limitations.
Signature Line of Credit – An unsecured line of credit can be
used when your Checking Account has insufficient funds to
cover the transactions you have made. The money is
automatically transferred into your account (up to your
available limit) and your checks are then paid. This saves you
from incurring an insufficient funds fee from VyStar as well as
possible charges from local businesses for returned checks.
There are restrictions on this line of credit, and it is subject to
credit approval. There are no limits on how many transfers can
be made monthly, up to your available credit limit on the
signature line. There is no service fee for transfers.
Of course, your signature line of credit can be used for general
purchases in addition to overdraft protection by requesting that
funds be transferred from the line of credit to any other VyStar
account. This function can be performed at the Teller Line, Call
Center, Magic*Touch, ATM, Internet Banking or simply by writing
a check.
VyStar has overdraft protection transfer service to enable you to
transfer funds from your Savings, Line of Credit or Money Market
Account automatically into your Checking Account should your
7
A TIP FROM VYSTAR
Ladder Your Way to More Money
CERTIFICATES WITH LONGER MATURITY PERIODS
USUALLY PROVIDE THE HIGHEST RETURN, BUT
THEY ALSO TIE UP YOUR FUNDS A LOT LONGER.
SHORTER
MATURITIES ARE MORE FLEXIBLE AND
ALLOW YOU TO TAKE ADVANTAGE OF RISING
RATES, BUT USUALLY HAVE LOWER RETURNS.
WHY NOT HAVE THE BEST OF BOTH WORLDS?
DID YOU KNOW THAT SPREADING YOUR SAVINGS
OUT BY PURCHASING CERTIFICATES THAT
MATURE AT DIFFERENT TIMES COULD INCREASE
YOUR
OVERALL
CERTIFICATE
INVESTMENT
RETURN, RETAIN LIQUIDITY, AND REDUCE
INTEREST RATE RISK?
TECHNIQUE
IS
THIS
CALLED
WISE INVESTMENT
LADDERING
YOUR
INVESTMENT PORTFOLIO.
A GOOD
EXAMPLE OF LADDERING
–
INSTEAD OF
$5,000 INTO ONE CERTIFICATE,
$1,000 INTO FIVE SEPARATE
CERTIFICATES. PURCHASE A 1-YEAR, 2-YEAR, 3YEAR, 4-YEAR, AND 5-YEAR CERTIFICATE. EACH
YEAR, ROLL THE CERTIFICATE THAT COMES DUE
INTO A NEW HIGHER YIELD 5-YEAR CERTIFICATE.
AFTER FIVE YEARS, ALL YOUR CERTIFICATES WILL
INVESTING
INVEST
BE EARNING THE HIGHEST INTEREST OFFERED AT
THE TIME AND, EVEN BETTER, YOU’LL STILL HAVE
LIQUIDITY.
THIS
METHOD HELPS ENSURE THAT
YOU ALWAYS HAVE ACCESS TO PART OF YOUR
FUNDS WITHIN ONE YEAR.
YOU
CAN ALSO
LADDER YOUR MATURITY DATES TO MATCH THE
TIMING OF FINANCIAL GOALS SUCH AS COLLEGE
TUITION,
VACATION
PLANS,
HOME
IMPROVEMENTS, RETIREMENT, OR ANYTHING ELSE
YOU ARE SAVING FOR.
STOP
GAME.
PLAYING THE INTEREST RATE GUESSING
CREATE
A
CERTIFICATE
LADDER
STRATEGY THAT WORKS BEST FOR YOU.
8
EARN MORE.
S AV E M O R E .
Y O U R S AV I N G S
AND
Savings
VyStar offers savings opportunities with our Savings
Accounts.*
Just look at all you’ll get:
•
Competitive Dividends
Earn money while you save money.
•
Overdraft Protection Arrangement
Use your Savings Account as overdraft
protection.
•
No Service Charges
And that’s one of the finest “services” we offer.
•
Access to Funds by Mail, Branches, Phone,
ATM, and Personal Computer
Get to your money 24/7.
RETIREMENT SERVICES
Accounts for Younger Members
KIDS CLUB ACCOUNT FOR MEMBERS 12 & UNDER**
Under the guidance of a parent or guardian, kids can have a special account
opened just for them. It is fun, it is free and it is just for kids. With their account,
they will get a Spend, Save and Share Bank, Kids Club Membership Card, Free
Kids Passbook, use VyStar Branch Coin Counting Machines and more!
VYTEEN ACCOUNT FOR MEMBERS 13 TO 18 YEARS OLD**
Under the guidance of a parent or guardian, teenagers can begin to learn fiscal
responsibility. They can qualify for their first checking account and get their first
Check Card. With a $100 investment, they’ll watch their money grow in a 12month Certificate and be able to add $25 or more to their certificate (balance not
to exceed $2,000) anytime they want.
BRAVO ACCOUNT FOR STUDENTS 18 TO 26 YEARS OLD
Dividends paid to the account are calculated daily,
compounded monthly and credited monthly.
College students can establish credit and at a reasonable rate from a safe source by
qualifying for a VyStar credit card with a starting credit limit of $375. Get sound advice
on how to build a strong financial future from our VyStar Investment Services Team.
With all these benefits, a VyStar Savings Account is
the smart way to save.
ACHIEVE ACCOUNT FOR MEMBERS 18 TO 26 YEARS OLD
Money Market Account with Checks
An account that boosts your earnings and provides
easy access to your money. VyStar’s Money Market
Account* is available with Checks for your
convenience. See page 6 for more information on
VyStar’s Money Market Account.
*ACCOUNT RESTRICTIONS: For all Savings and Money Market Accounts,
no more than six (6) preauthorized, automatic, Internet, or telephone
transfers and withdrawals may be made from these accounts to another
account of yours, to a third party, or by check, draft or access card in any
statement cycle. If you exceed these limitations, your account may be
subject to closure by the credit union. These limitations do not apply to
Health Savings Accounts, VyTeen Savings Accounts or Kids Club Accounts.
Starting a career, buying a car, moving into that first place? With your growing
financial needs, this account can help you enjoy financial freedom at a much lower
cost. Use free online bill payer service in Internet Banking and set up free direct
deposit of your pay check among many other free benefits we offer.
Savings Account: Dividends paid to the account are calculated daily and compounded and credited monthly.
Check VyStar’s disclosures for all savings accounts on this page for withdrawal limitations. Transfer limitations do
not apply to Kids Club Accounts or VyTeen Accounts.
Certificate of Deposit: An early withdrawal penalty may apply. Interest paid may be withdrawn without penalty.
Credit Cards and Consumer Loans are not automatically issued to Bravo and Achieve accounts. All VyStar
loans are based on an evaluation of the applicant’s individual credit history. Subject to credit approval and certain
conditions and restrictions apply.
**When opening an account for a minor (under 18 years of age), you will need to have a certified copy or original of their
birth certificate and social security card available, or a state identification card. Parents or legal guardians are jointly
responsible for the use of Kids and VyTeen Savings Accounts as well as VyTeen Checking Accounts, VyTeen Visa Check
Card and VyTeen ATM Card. The misuse of these cards can cause the account to become negative and incur costs.
9
Health Savings Account
A Health Savings Account, referred to as an HSA,
is an account that allows you to save money for
health care costs and use the funds to pay for
qualified medical expenses.* An HSA offers tax
advantages and will help you keep tabs on your
medical spending. It can be used to pay for many
types of qualified medical expenses such as doctor
visits, prescriptions, transportation to get medical
care, qualified long-term care insurance, health
plan premiums when unemployed and more.
Members are eligible as long as they are:
• Covered under a High Deductible Health Plan
(HDHP)
• Not covered under another type of health plan that is
not an HDHP
• Not enrolled in Medicare (generally under 65 years old)
• Not claimed as a dependent on another individual’s tax return
Find out more about HSA. Call (904) 777-6000 or 800-445-6289
or stop by any VyStar Branch.
*Certain restrictions apply. VyStar is not responsible for determining if a member’s
distributions qualify, nor do we provide tax advice. Consult your tax advisor. For more
information on qualified medical expenses, visit www.irs.gov.
FLUTMA Accounts (Florida Uniform Transfers
to Minors Act)
A FLUTMA Account is a custodial account in which a custodian
manages the funds of an account for the benefit of a minor. The
minor is the sole owner of the account, but has no authority to
transact on the account until he or she attains the age of 21.
State law limits all FLUTMA accounts to one minor beneficiary
and one custodian. NO joint members are permitted on FLUTMA
accounts; however, custodians are strongly encouraged to
designate a successor custodian. Savings Accounts, Certificates
and Money Market Accounts may be set up as FLUTMA
accounts, and the funds are accessible through Magic*Touch,
Internet Banking, direct deposit and ATM cards, under the same
restrictions as non-FLUTMA accounts.
10
Living Trust Accounts (Revocable Trusts)
Trust accounts are federally insured as payable-on-death
accounts, and are separate from the member’s other deposit
accounts. For living trust accounts, you may use all types of
deposit accounts (savings, checking, certificates, etc.) IRAs ,
HSAs, and Loan Accounts are not eligible as trust accounts.
The trust must be created and administered under Florida law.
Irrevocable or Amendable Trust Accounts cannot be opened.
In order to open a trust account, several documents must be
presented including the Certified Copy of Trust Instrument by
Attorney form, a copy of the first page and signature page(s) of
the trust, and a new Membership Application to change the
ownership of the account to the trust. Depending on the
circumstances, other information may be necessary. A VyStar
Representative will help you through all the details.
Certificates
Lock in your earning power and enjoy high yields for the term of
your choice – from three months to five years. A minimum
deposit of $500 gets you started. It’s a good idea to put your
money in a certificate when you don’t need immediate access
to your funds for a period of time. And because you agree to
keep the money in the credit union for the specified period of
time, you receive a higher interest rate from VyStar. We also
provide tiered rates for higher balances. An early withdrawal
penalty may apply. Interest paid may be received by the
account holder from the account without penalty.
18-Month Step-Up Certificates
Get a certificate with a one-time option to adjust to a higher rate
before the certificate matures. You can also add amounts of
$2,000 or more any time during the 18-month Step-Up Certificate
term. An early withdrawal penalty may apply.
It’s that kind of flexibility that makes saving really pay off.
Interest earned is calculated daily, compounded monthly and
credited monthly.
Y O U R S AV I N G S
AND
Individual Retirement Accounts (IRAs) and
Education Savings Accounts (ESAs)
Earn more wealth for your retirement years with a VyStar
IRA that earns higher yields on higher balances with six
different account balance tiers ranging from under $2,500
up to $100,00 or more. You’ll also save more because
you’ll pay no fees.
VyStar is your one-stop IRA center, offering a complete
range of retirement savings and certificate options:
•
Traditional IRAs
These IRAs provide tax-deferral of income.
•
Roth IRAs
Pay your taxes up front, with added flexibility in
retirement.
•
Coverdell Education Savings Account (ESA)
Save for educational expenses.
All of our IRA and ESA products offer:
•
Higher Interest for Larger Certificate Deposits
Increase your wealth and earn more as you save
more.
•
No Maintenance or Administration Fees
Free yourself from fees that dip into your savings.
•
Retirement Accounts are Insured up to $250,000 by
the National Credit Union Share Insurance Fund
(NCUSIF). Government backing insures your
retirement accounts by the NCUA.
The Coverdell Education Savings Account, (formerly
called the Education IRA), was created by Congress in
1997 to help students pay for qualified elementary and
secondary school and college education expenses as well
RETIREMENT SERVICES
as other higher education costs. With the Coverdell ESA
your earnings grow tax-deferred and your distributions are
exempt from federal taxes when used for qualified
education expenses at universities, colleges, vocational
schools, and elementary or secondary schools (public,
private or religious). An adult (parent or guardian) may
open an ESA for a beneficiary (student) under 18 or for a
special needs beneficiary.
If you need to move your IRA funds from a previous
employer or transfer IRA funds from another financial
institution, VyStar can help. VyStar’s IRA accounts and
certificates allow you to move your funds to us with ease
and no fee.
IRA Certificates
VyStar IRA Certificates are a secure, dependable way
to save for your retirement. Depending on your
income, tax filing status and eligibility from other
retirement savings plans, your yearly IRA
contributions may be fully or partially tax
deductible. Consult your tax advisor.
For IRA accounts, you may not make any
withdrawal or transfers to another credit union
account of yours or to a third party by means of a
preauthorized or automatic transfer, telephonic
order or instructions, or similar order to a third party.
Please consult your tax advisor on the tax benefits of
an IRA account. An early withdrawal penalty may
apply.
Visit the VyStar “IRA Service Center” online at
www.vystarcu.org where you can learn about IRAs,
plan for your retirement, and print any forms that are
needed to open an IRA or review your existing IRA.
11
VyStar
INVESTMENT
SERVICES
At VyStar, we know your lifestyle and goals are different from
other people’s, so are your financial needs. Explore your
investment options and make investment decisions with the
helpful advice of a VyStar Investment Services LPL
Financial Advisor.
We make investment and financial management products
available to help you pursue your short- and long-term
financial goals, investment timelines, and risk tolerance
levels. We provide financial analysis and planning services
at no cost or obligation. Together, we can help you:
•
•
•
•
Plan Your Investments
Plan to Retire More Comfortably
Pursue Your Assets & Financial Future
Fund Your Children’s Education
You have access to a comprehensive list of valueoriented products and services, including:
• Mutual Funds
• IRAs
• Securities Trading • Fixed & Variable
• Asset Allocation
Annuities & More
• Insurance Services
Let us show you how to craft the plan that best fits your
lifestyle. Call (904) 908-2495 or (800) 445-6289, ext.
2495, to speak with a VyStar Investment Services LPL
Financial Advisor and arrange to meet with us at any
VyStar branch.
Securities offered through LPL Financial, member
FINRA/SIPC. Insurance products offered through LPL
Financial or its licensed affiliates. VyStar Credit Union
and VyStar Investment Services are not registered
broker/dealers and are not affiliated with LPL Financial.
The investment products sold through LPL Financial are
not insured VyStar Credit Union deposits and are not
NCUA insured. These products are not obligations of
VyStar Credit Union and are not endorsed, recommended
or guaranteed by VyStar Credit Union or any government
agency. The value of the investment may fluctuate, the
return on the invest is not guaranteed, and loss of
principal is possible.
12
TA K E C H A R G E O F
YOUR FUTURE
V Y S T A R F I N A N C I A L G R O U P, L L C
R E A L E S TAT E , C L O S I N G & I N S U R A N C E S E R V I C E S
VYSTAR FINANCIAL GROUP, LLC
VyStar Financial Group, LLC is a wholly owned
subsidiary of VyStar Credit Union that makes available a
VyStar Title Agency
760 Riverside Avenue
Jacksonville, FL 32204
(904) 908-2874
www.vystartitle.com
variety of services and insurance options to include title
insurance through our own title agency.
VYSTAR INSURANCE AGENCY
TRUSTAGETM INSURANCE
Protection you need at discounted rates. If you haven’t
compared insurance lately, now is the time to take a look.
Want a no cost, no-obligation quote on Auto Insurance?*
Go online to the Protection Center > TruStage at
www.vystarcu.org to find out how. TruStage Accidental
Death & Dismemberment (AD&D) and Life Insurance are
also available.
Get protection for your vehicle, home or other property,
business, pet, travel expenses, or wedding. Go online to
customize your protection while focusing on a premium
payment plan that fits your budget. VyStar Insurance
Agency offers a complete line of insurance solutions
from top-rated carriers to help you protect your assets,
and payments can be automatically deducted from your
checking or savings account.
TruStage Auto Insurance program is offered by TruStage Insurance Agency, LLC
and issued by leading insurance companies. Discounts are not available in all
states and discounts vary by state. The insurance offered is not a deposit and is
not federally insured. This coverage is not sold or guaranteed by your credit
union. MAH-1112-AD42
Go to www.vystarcu.org for more information or directly to
www.vystarinsurance.com to get a no cost no obligation
quote, or call (904) 573-5333 or (866) 533-0333 to speak
with a licensed agent today.
VyStar Title Agency and VyStar Insurance Agency are divisions of VyStar Financial
REAL ESTATE SERVICES
VyStar offers its members services that can assist
them with buying property or selling real estate such
as their primary residence.
VYSTAR TITLE AGENCY
VyStar Title Agency is your complete source for the
home buying, selling, refinancing and home equity
loan closing process. As a credit union partner we are
here to guide you through the closing process. Our
experienced staff is committed to closing your loan in
the most efficient and cost effective manner.
Group, LLC; a wholly owned subsidiary of VyStar Credit Union.
VyStar Financial Group, LLC
Board of Directors
VyStar Credit Union’s Board of Directors has appointed
people to serve on the VyStar Financial Group, LLC
Board of Directors. This diverse group brings years of
extensive credit union and financial industry knowledge
and experience to serve you. Many of the Directors are
long-standing Board members of VyStar Credit Union.
13
THE MONEY YOU NEED
THINGS
14
FOR THE
YOU WANT
YOUR LOAN OPTIONS
At VyStar, whatever your needs, we have it all. From auto loans
and boat loans to home equity loans, home mortgages, and
more, VyStar has a loan with your name on it.
We offer great rates, flexible terms, and a streamlined application
process for quick approvals.
All of our loans are subject to credit approval. And certain
restrictions on particular types of loans may apply.
Loans for Almost Everything
Get more for your money. The vehicle of your dreams is
available at low rates, flexible terms and no fees. Financing is
available up to several years depending upon the type of
vehicle you are purchasing. Refer to our website at
www.vystarcu.org for all the details of our rates and terms. We
don’t just stop with your auto; we finance all types of items
including:
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New and Used Autos
New and Used Boats
New and Used Jet Skis and New ATVs
Older Model Year Autos
New and Used Motorcycles and Scooters
Classic Autos
New and Used Recreational Vehicles
Personal Signature Loans
Lines of Credit
Savings and Certificate Secured Loans
Mortgages
Home Equity Loans
Get a VyStar Vehicle Loan at the Dealership
We have made special arrangements with area auto dealers to
offer a VyStar Loan at the dealership. Make your best deal, and
the dealer can close your loan with us right in the showroom.
No trips to the branch, no calls to make. The dealers can
arrange everything. Be sure to ask for a VyStar Loan!
Vehicle Investment Power (VIP) Loan Program
Get approved for your auto loan ahead of time. Our VIP program
will give you a blank check to use at authorized dealerships.
When you are ready to buy, write in an amount up to your
approved credit limit. Simply fill in the authorized dealer’s name
and amount on the check and sign it. Your loan is already set up
with us, so you’re on your way. (Also available for new and used
RVs, new boats and jet skis.)
Your VIP check is valid up to your approved amount and you are
under no obligation to use it. VIP checks may not be written to
individuals. If you have a question about a particular situation,
phone our Call Center, use VyChat online or stop by a branch.
Applications are accepted in person, by phone, by mail, by fax or
on the Internet.
SmartWheels
Need basic, no-frills transportation to get you to and from work?
VyStar would like to offer members who are of modest means or
have less than perfect credit get a practical car loan. Let us help
put you back in the driver’s seat.
Signature Line of Credit
A personal signature line of credit that offers competitive rates,
easy access, and a streamlined application process for fast
approval. It can also provide protection for your Checking
Account when there are insufficient funds. Apply today for the
purchasing power you’ve always wanted.
Personal Signature Loans
Free yourself from a pile of bills, pay for college, visit a loved one
overseas, or simply make a special purchase. VyStar’s helpful
loan officers can put together a loan package to meet your
specific needs. Use your loan for just about any reason you want.
Low, fixed-rate and flexible repayment terms are available.
15
LOANS
16
FOR
E V E RY N E E D
YOUR PROTECTION SERVICES
Loan Protection Insurance
VyStar Identity Theft Protection Services
We offer easy ways to protect your financial future. Your
VyStar loans can be insured with credit life and disability
coverage up to $50,000 per loan account.
My SocialScoutTM
Protection Programs
A parental monitoring tool that lets you know when and how
your child (age 9 -17) is using social media sites such as
Facebook, MySpace, Twitter and Instagram. This service
connects you to your child’s digital world regardless of what
computer, smartphone (Blackberry/Android/iPhone) or
Internet-accessible device they use to go online. Go to
www.vystarcu.org for details and to select the plan and pricing
that is right for you.
Mechanical Breakdown Insurance.
FraudScoutTM Credit & Fraud Monitoring
VyStar offers extended warranty coverage through
InterContinental Warranty Services, Inc. The cost is less than
that offered at most dealerships and there is a 60-day money
back guarantee. Visit any of our branch offices or phone our
Call Center for more information on all our insurance
programs.
Credit is one of the most important assets you possess and
identity theft is one of the fastest growing crimes in the U.S.
FraudScoutTM service can provide the extra protection you
need to help avoid a potentially damaging situation. The
service scours millions of identity records and non-credit
sources to identify potential fraud in credit, non-credit and
public records. When
suspicious activity is
An Alternative to Payday Loans
detected, an email alert
will be sent within
WE WANT PEOPLE TO GET THE MONEY THEY NEED
moments. These alerts
DURING AN EMERGENCY OR EVEN IF THEY NEED
may come days or even
FUNDS BETWEEN PAYCHECKS. VYSTAR’S PAY AND
months before the theft
SAVE LOAN PROGRAM GIVES QUALIFIED MEMBERS
would
normally
be
UP TO $750 AT A REASONABLE INTEREST RATE AND
detected. Enroll in a
THE ABILITY TO PAY BACK THE LOAN WITHIN 6
FraudScout plan today.
MONTHS. IT’S THE ALTERNATIVE TO “PAYDAY
Go to www.vystarcu.org
LOANS
” THAT CAN COME WITH HIGH FEES,
for plan details and pricing
INTEREST RATES AND PENALTIES, PLACING EVEN
today.
Your purchase of credit life and credit disability insurance, underwritten by CUNA Mutual Insurance
Society, is optional and will not affect your application for credit or the terms of any credit agreement
required to obtain a loan. Certain eligibility requirements, conditions and exclusions may apply.
Please contact your VyStar loan representative, or refer to the Loan Agreement for a full explanation
of terms. CDCL-0611-A608
Guaranteed Asset Protection (GAP)* for vehicles.
GAP can cancel or reduce your loan balance when protected
collateral is stolen and not recovered, or damaged beyond
repair, and the primary insurance does not cover the balance
owed on your loan Ask a VyStar Representative for details.
Guaranteed Asset Protection (GAP) is optional and will not affect your application for credit or the
terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions,
and exclusions may apply. Please contact your loan representative, or refer to the GAP contract for
a full explanation of the terms of GAP. For more information about GAP to include refund provisions,
please visit our website at www.vystarcu.org. DPGAP-0611-693B
GEICO-Preferred auto insurance is available to eligible
members at a discount. Call 1-800-368-2734 to find out more.
MORE FINANCIAL HARDSHIP ON THOSE WHO ARE
STRUGGLING TO MAKE ENDS MEET OR DEALING
WITH THOSE UNEXPECTED EMERGENCIES THAT WE
ALL FACE AT TIMES.
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MORE LOAN OPTIONS
Make Your Loan Payment Automatically
Make your loan payments the easy way with Automatic
Funds Transfer Service (AFTS). Choose which cycle and
how much money you want transferred. It is convenient
and the service is free.
your card as much as you like. (This is not a rewards
points card.)
For even more flexibility, VyStar’s Flex Equity 3 is a
home equity line of credit that has a fixed rate for the first
3 years and after that, the rate adjusts monthly, tied to
Prime*.
*Prime is identified by The Wall Street Journal as the Prime Rate in its table entitled “Money
Rates”. Contact a VyStar Representative for more information.
Home Equity Programs
Tap into the equity in your home to secure a low-interest
rate loan or variable rate line of credit for debt
consolidation, home renovations, college expenses, a
car, vacation, and more.
VyStar offers fixed-rate home equity loans with different
programs based on the percentage of the home’s value
you are borrowing (loan-to-value ratio). Our variable rate
home equity lines of credit with CHECKS will give you
immediate access to cash and are available for people
who can more easily utilize a revolving line of credit for
changing financial needs. Choose our interest-only
payment option to reduce your loan payments each
month. Pay no closing costs on a home equity line of
credit when you make an initial draw of $10,000 or more.
Certain restrictions may apply.
VyStar’s Home Equity Platinum Card gives you quick
access to cash at your same low home equity line of
credit interest rate for accounts with credit lines of $5,000
and higher. It’s the card and buying power you need for
practically anything you want. Take your Home Equity
Platinum card with you to make purchases up to your
approved credit limit wherever Visa® is accepted and the
amount will be advanced on your home equity line of
credit account. No fees, charges or strings attached. Use
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Many people prefer a home equity program over a regular
installment loan because of the positive tax benefits. We
suggest you ask your tax advisor about possible tax
benefits of this type of loan for your financial situation.
For assistance, visit any VyStar branch or call (904) 7776000 or (800) 445-6289. (Subject to credit approval)
Mortgage Loans
VyStar offers a full range of competitive fixed rate and
adjustable rate mortgage loans with a variety of terms
and low closing costs. Mortgage loans may be used for
the financing of current or future primary residences.
All our escrow accounts earn interest and we service all
of the loans we make. This means you won’t have to
worry about who to make your mortgage check payable
to – you’ll always pay VyStar Credit Union.
Our fixed rate mortgages have rates that do not change
over the life of the loan. You may select from a variety of
terms. And in most cases, the shorter your term, the
lower the rate. For our current rates, visit a VyStar
branch or look at the rates section on our website at
www.vystarcu.org.
Our adjustable rate mortgages (ARMs) are stated in terms
of how the interest rate on the mortgage changes over the
term of the loan. For example, our 3/1 ARM has a fixed
rate of interest for the first three (3) years and then adjusts
each (1) year after that.
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Adjustable Rate Mortgage (ARM)
Fixed Rate Mortgage
Jumbo Mortgage
VA
FHA
Manufactured Housing and Land
Residential Land
Condominium
There are many alternatives to consider when deciding
which mortgage is right for you and you can possibly get
an even lower interest rate by paying “points” up-front.
When you finance your home through VyStar, you don’t
have to pay intangible taxes at closing, and our origination
fees are normally lower than those of most other lenders.
Apply for a Mortgage loan online at www.vystarcu.org,
through our Call Center and in our Branches. To make
an appointment with one of our mortgage loan officers, call
(904) 908-2689 or (800) 445-6289, ext. 2689.
Equal Housing Lender
We do business in accordance with the Federal Fair
Housing Law and the Equal Credit Opportunity Act. Loans
made are considered without regard to race, color,
religion, sex, national origin, marital status or age of any
persons, or because a person received income from a
public assistance program, or has in good faith exercised
any right under the consumer credit protection act.
VYSTAR MONEY MAKEOVER
AT HOME GUIDE
Want to have a better understanding of your financial
condition? Do your feel you are spending too much and not
saving enough? We provide an easy guide you can use
yourself for just about any financial situation. It is a unique
financial exercise and budgeting tool. Get a snapshot of
your finances, track your spending, create your own
spending pie chart, get tips on how you can reduce
expenses.
Get a Money Coach. When you are ready, you can get a
FREE Money Makeover at any VyStar branch location. With
the help of your own VyStar Money Coach, we can change
the way you look at your money and put you back in control.
BALANCE Financial Counseling
In addition to the full-time Financial Counselor located at our
NAS Jax Banch, VyStar offers FREE Financial Counseling by
phone or online through our relationship with BALANCE.
If you think your debt is controlling you instead of you
controlling your debt, practical financial help is here.
BALANCE – a national organization designed to offer
financial counseling and impartial, consumer-oriented
financial advice – can work with you on debt management,
creating a budget and savings and spending plan.
Call BALANCE at (888) 456-2227 (Monday-Saturday). Or
go to the BALANCE website at www.balancepro.net.
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BUYING POWER
T H AT P U T S Y O U O N T O P
20
YOUR CREDIT CARD OPTIONS
Compare our variable rate credit cards to others and we
think you’ll agree, VyStar’s no fee, no teaser rates and no
fine print surprises credit cards are a better value. Travel, go
shopping, dine out and more with a card you know and can
trust. Enjoy free electronic payment services and security
monitoring, emergency assistance, and safer online
shopping. We even offer secured credit cards for our
members with special credit needs.
2% cash back on new gas and grocery purchases and 1%
cash back on other new purchases.
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VyStar Platinum Rewards Plus Visa®
The variable rate Rewards Plus card that earns one point
for every $1.00 purchase - plus, extra points for shopping at
participating retailers. Collect as many points as possible
and use them anytime you like. Track your points, make
travel arrangements, shop for merchandise, get gift cards,
events tickets and more online at www.vystarcu.org or go to
UChoose Rewards® at www.uchooserewards.com.
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Competitive variable interest rate
Low minimum monthly payment
No Annual Fee
No Fee Services: no cash advance, balance transfer,
or transaction (includes foreign) fees
No rate increase with a cash advance; no inactivity
fees
Interest-Free Grace Period on Purchases
Free Visa Alerts to monitor your card transactions
$500,000 in Travel Accident Insurance
Emergency Cash Disbursement and Card
Replacement
VyStar Platinum Cash Back Visa®
The variable rate Cash Back card that gives cash back on
purchases, credited to your card every October. Receive
Competitive variable interest rate
Low minimum monthly payment
No Annual Fee
No Fee Services: no cash advance, balance transfer,
or transaction (includes foreign) fees
No rate increase with a cash advance; no inactivity
fees
Interest-Free Grace Period on Purchases
Free Visa Alerts to monitor your card transactions
$500,000 in Travel Accident Insurance
Emergency Cash Disbursement and Card
Replacement
VyStar Platinum Visa® (no frills)
The variable rate credit card that offers the advantage of our
lowest credit card rate possible. Enjoy a new level of
financial freedom, prestige and benefits you deserve.
Accepted worldwide.
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The advantage of our lowest variable credit card
interest rate
Low minimum monthly payment
No Annual Fee
No Fee Services: no cash advance, balance
transfer, or transaction (includes foreign) fees
No rate increase with a cash advance; no
inactivity fees
Interest-Free Grace Period on Purchases
Free Visa Alerts to monitor your transactions
$500,000 in Travel Accident Insurance
Emergency Cash Disbursement and Card
Replacement
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We also offer secured credit cards for our members
with special credit needs.
for all your credit card information and services. At
the top of the screen, select the "Payments" tab
and then, Make a Payment. You can also view
your payment history here.
Design Your Own Card
FREE BILL PAYER:
Along with your other bills, why not make your credit
card payments using free Bill Payer service via
Internet Banking. With Bill Payer you can set up a
payment, manually.
With this service for credit cards, you can create your own
card design. Feature a loved one, show off friends, share a
memory, make your pet a star, display a favorite scene or a
place you have traveled to or, select from a catalog of preapproved images.
Login to Internet Banking and click on your VyStar credit card
account name under the Loans section for all your credit card
account information and services. Then, select the
"Services" tab and Design Your Own Card. Follow the
simple instruction. There will be a small $10 charge to
process your personal image and certain restrictions
apply*.
*Certain terms and conditions apply to the design your own card service. Custom
images must meet Visa USA and other standards set forth by the credit union. Images
are screened by Visa to ensure your protection and you will be notified via email if your
art is not accepted. Cost for your personalized card design is $10 per card. Also
available to members who have existing non-variable Visa Credit Cards and
MasterCards (these products are no longer offered).
A T IP
FROM
V Y S TAR
Be Credit Card Wise
DON’T GET CAUGHT IN THE SWITCH GAME.
SOME CREDIT CARD COMPANIES OFFER
ENTICING INTRODUCTORY RATES, THEN
SWITCH YOU TO A HIGHER RATE AFTER A
FEW MONTHS. IF YOU HAVE BALANCES
ON HIGH-INTEREST CREDIT CARDS,
CONSIDER TRANSFERRING THOSE
Payment Options
FREE PAY-MY-BILL:
A free online payment service for your credit card that is
fast and easy. Your payment can even be applied to your
credit card account the same business day!
For Pay-My-Bill, simply login to secure Internet Banking
at www.vystarcu.org and click on your credit card name
22
BALANCES TO A LOW-INTEREST
VYSTAR CREDIT CARD. WITH
FLEXIBLE CREDIT LINES, YOU COULD
TRANSFER SEVERAL BALANCES TO
ONE
VYSTAR CARD AND LOWER YOUR
THERE IS NO FEE
MONTHLY PAYMENT.
TO TRANSFER A BALANCE TO A VYSTAR
CARD.
C R E D I T C A R D PAY M E N T O P T I O N S
In addition to payments via the mail and
online, credit card payments can also be
made at any VyStar branch, on the phone
through Magic*Touch, our automated
phone system at (904) 777-6001 or (800)
235-6289, or through our Call Center at
(904) 777-6000 or (800) 445-6289 or via
secure VyChat online.
Electronic Security Protection (ESP)
Zero Liability: When you use your VyStar Visa® Cards to
shop there is absolutely no risk. With Visa your liability for
unauthorized transactions is $0. You pay nothing.
24-hour Card Monitoring: Our free electronic security
monitoring services prevent potential fraud on your VyStar
credit cards. You will be contacted if a purchase or
transaction appears suspicious. ESP is automatic - you
don't have to do a thing.
Travel Protection: Because of international fraud that all
financial institutions deal with, we monitor transactions
overseas and also at many travel destinations here at
home. If you're planning a trip, give VyStar a call at 7776000 or 1-800-445-6289, option 9. By giving us your travel
dates and destination, we can anticipate the change in
activity on your card, monitor your transactions and be
mindful of your needs while you are away.
Visa Transaction Alerts to monitor your accounts on
your own: To set up Visa Credit Card Alerts, login to
Internet Banking, click on your VyStar card account name
for your credit card information site. Then, under
Communications select Visa Transaction Alerts and follow
the easy instructions.
Smart Chip (EMV) Technology: During 2014, VyStar will
begin to introduce an embedded chip on its VyStar credit
cards that will provide an extra layer of protection in
addition to the magnetic strip (magstripe). The chip is
currently a global standard for payment processing that will
soon become the standard in the U.S. The chip is used by
many merchants in the U.S. and is widely used overseas.
You may need to use your Visa credit card PIN for chip
processed transactions.
Check Your Credit Card Transactions
Anytime, Online
You can take a look at your credit card usage daily. Your
credit card account information and services are available
via Internet Banking at www.vystarcu.org. Login and click
on your credit card account name under the Loans section.
While you’re online, sign up for electronic Statements to
receive your credit card statement each month online. Go
to your credit card account information and services via
Internet Banking, click “Statements & Activity” and then, Go
Paperless. Eliminate paper with this quick and easy
service. Each month you will receive an email reminder
your statement is ready to view and going forward, you will
be able to access your statement history.
Reporting a Lost or Stolen Card
If you have experienced a lost or stolen card, please phone
24-hour Cardholder Services (number printed on the back
of the card) / (866) 820-3846 or (800) 654-7728.
23
A T IP
V Y S TAR
FROM
When Using Electronics, Numbers
Become Even More Important.
PLEASE
VERIFY YOUR ACCOUNT NUMBERS AND
ROUTING NUMBERS WHEN YOU SET UP YOUR BILL
PAYMENT AND E-SERVICES ACCOUNTS.
BECAUSE
A
MAJORITY OF OUR MEMBERS HAVE SEVERAL
ACCOUNTS WITH US, WE ASK THAT YOU USE SPECIFIC
ACCOUNT
NUMBERS
FOR
YOUR
ELECTRONIC
SERVICES INSTEAD OF YOUR MEMBER NUMBER.
USING
YOUR MEMBER NUMBER ONLY WILL CAUSE A
DELAY AND YOUR TRANSACTION WILL NOT OCCUR.
FOR
DEPOSIT ACCOUNTS, USE THE ACCOUNT
NUMBER LISTED ON YOUR CHECKS, YOUR MONTHLY
PAPER STATEMENT OR E-STATEMENT.
FOR
LOAN
ACCOUNTS, USE THE TWELVE-DIGIT ACCOUNT
NUMBER FOUND AT THE BOTTOM OF YOUR PAYMENT
COUPON. FOR THE ROUTING NUMBER, ALWAYS USE
263079276.
THANK
YOU FOR PAYING SPECIAL ATTENTION WHEN
SETTING UP THESE SERVICES.
W E ’ R E A LW AY S AT
YOUR FINGERTIPS
Our website is full of information about products, services, and rates
along with general money-related items that you may find useful
when working with your finances.
Reorder VyStar Checks
Reordering checks is easy. If you have ordered checks before simply
login to Internet Banking at www.vystarcu.org, click the Additional
Services tab and Reorder Checks. By following their guidelines, you
will be able to review check choices and order checks for your account.
Ordering checks requires VyStar’s routing and transit number along
24
with your account number. These numbers are from the bottom row of
numbers on your checks (the MICR line) - see below. Your account
number is also on your monthly statement.
INTERNET BANKING
Financial Calculators
Get Started Right Now! Follow the easy on-screen directions at
www.vystarcu.org. The first time you use Internet Banking, enter
your member number as the Log-in ID and your Magic*Touch
PIN in the Internet Banking box on our home page. If you need
a Magic*Touch PIN, phone (904) 777-6000 or (800) 445-6289,
option 1. Or stop by any VyStar branch.
Calculate monthly payments for a loan, convert foreign currency,
or even check out a current stock price.
Mobile Services
VyStar Gift Card
®
A VyStar Visa Gift Card is the perfect gift. Order online at
www.vystarcu.org for any occasion. Or purchase one at any
VyStar branch.
Internet Banking
Your account information is available online to help you manage
your money from your computer. Go to our website
www.vystarcu.org and your Log-in ID and Password will put
information and services at your fingertips.
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Get summaries on all your VyStar accounts
Get e-Statements (monthly member/credit card accounts)
Transfer funds between accounts; make external transfers
Set up free Account Alerts and notifications
Apply for a loan
Reorder checks and view checks that have cleared
Use free Remote Check Deposit to scan checks for
electronic deposit into your VyStar account
Order a VyStar Check Card (checking account members)
Access your credit card account information and services
Access VyStar Rewards programs for points tracking and
redemption or cash back offers (VyStar rewards cards)
Manage your finances with free FinanceWorksTM
Make HSA contributions or distributions
Use a variety of forms to manage your accounts and set
up services; change address to keep records current
Get VyChat support for fast answers
VyStar’s Internet Banking is secure with state of the art
encryption and digital certificates. Your Log-in ID, Password and
Security Contact Information for a one-time access code helps
prevent unauthorized access to your accounts.
Taking care of your financial needs safely and securely via a
mobile platform has become popular with travelers, business
owners, and anyone on the go. Our mobile services gives you
access to VyStar and your account information and services
from a cell phone or other mobile device:
• Mobile Banking access to your accounts for your webenabled mobile devices allows you to login and check
balances, transfer money, pay bills, and more on the go.
Manage your money quickly and easily. Install a free VyStar
Mobile Banking App onto your iPhone, iTouch, iPad or Android
Smartphone to login to your accounts and many of our money
management services from your mobile device.
• Text Message Banking sends instant account balance and
recent transactions informaton to your cell phone whenever
you text a message to 454545. Receive periodic balance
alerts for your default account.
Visit VyStar’s website to find out more about how to set up these
convenient must-have services or call us for assistance.
Free Bill Payer via Internet Banking
From your VyStar checking account, receive and pay your bills
online and view payment history. No more writing and mailing
checks. Save time and money.
VyChat - live online session
Have a question or need assistance? Use a secure online chat
to communicate with a VyStar Representative within Internet
Banking or from our website at www.vystarcu.org. VyChat
hours: Monday thru Friday 7 a.m-9 p.m., Saturday 9 a.m.-5 p.m.
25
GIVE YOUR
BUSINESS
A BOOST
26
YOUR BUSINESS SERVICES
Your heart and soul is in your business. Your VyStar Business
Relationship Specialists can help you design a financial services
program to meet your specific needs. Here are some of the ways we can
help your business or non-profit association grow and prosper:
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Business Loans – This is an excellent source of funds for general
purposes, such as vehicle purchases. We also offer equipment
financing at competitive rates.
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Real Estate Loans – We finance small, mid-sized and larger
commercial properties. You may qualify for No Closing Costs up to
2% of the loan amount and a variety of financing options for owneroccupied and investment properties (does not include residential
investment property). Flexible terms, local underwriting, competitive
rates.
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Business Savings Account – Earn dividends with easy access to
your funds. With a low opening-deposit you’ll get easy-to-read
monthly statements that make record keeping and money
management a snap. A Business Savings Account is a membership
requirement.
Small Business Checking Account – Perfect for businesses with
limited account activity. Have flexibility plus the opportunity to earn
competitive yields. Up to 100 items* can be processed per month at
no charge.
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Regular Business Checking Account – Ideal for businesses with
heavy account activity. A no opening deposit offers no fees for up to
250 items* per month at no monthly service charge when a
minimum daily balance of $5,000 is maintained.
•
Volume Business Checking Account – offers no fees for up to 500
items* per month and no monthly service charge when a minimum
daily balance of $15,000 is maintained. For heavy activity.
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Non-Profit Association Checking Account – The solution for
associations, clubs, churches, charitable and other non-profit
organizations. It features unlimited transactions with no fees, easy
record keeping, and no monthly service charges. Interest is paid on
higher balances.
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Business Visa® Check Card – Works like a check. Your purchases
will be deducted directly from your business checking account. Plus,
earn UChoose Rewards® points to redeem for travel, merchandise,
•
gift cards, events tickets and more every time you choose to sign for
your transaction.
Business Credit Cards – VyStar no annual fee credit cards offering
competitive interest rates. Choose our Micro Business Platinum
Visa® starter card with credit lines between $500–$2,500*; Business
Platinum Rewards Visa® that earns rewards points on eligible
purchases with credit lines between $5,000–$50,000*; or Business
Secured Platinum Visa® that is secured by your VyStar CD or
Savings with credit lines between $2,500–$25,000.*
*Full personal guarantee required from all owners.
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Business Savings Certificates – These offer highly competitive
yields, with interest calculated daily, compounded monthly and
credited monthly, low minimum deposit requirements, flexible terms
from 3 to 60 months, automatic renewals, tiered certificates with
higher yields for higher balances, plus the security of NCUA
insurance up to $250,000.
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Money Market Account with Checks – Boost your earnings even
further with a Business Money Market Account – earn interest at
competitive market rates.
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EFTPS – Pay your taxes online using the Electronic Federal Tax
Payment System available through our website (www.eftps.gov).
•
Merchant Solutions – Give your Visa® business a boost. Develop
the ability to accept credit and debit cards versus checks and cash.
This credit card processing program provides competitive pricing
and personalized service for any size or type of business.
OTHER SERVICES:
• Business Remote Check Deposit: scan checks for deposit vis
Internet Banking.
• Business ACH Payroll Origination: payroll deduction/direct
deposit for your employees.
• VyStar@work: membership as a free benefit to employees
Let a Business Relationship Specialist help you find financial solution.
Call (904) 908-2292 or (800) 445-6289, extension 2292.
* Items include checks cleared, transfers, deposited items, withdrawals and
other credits or debits.
27
FINE TUNE YOUR
FINANCIAL NEEDS
There are those times when you need cash now, or other
times when it’s important to transfer funds, even at
inconvenient times. Experience the ultimate in financial
convenience with quick and easy access to all of your
VyStar accounts – available 24 hours a day.
ATM Service
Use your VyStar ATM Card at any VyStar Credit Union ATM
and save – because there’s no fee. We also offer a Spanish
language option.
• Activate your new VyStar Check Card, Business
Check Card or Home Equity Platinum
• Get cash from your accounts
• Transfer funds between accounts and check balances
• Make deposits, VyStar loan payments, and obtain
balance Information
• Change your ATM-only, Check Card, Business Check
Card and Home Equity Platinum PIN (personal
identification number)
Use your VyStar ATM card to get cash at home and
anywhere in the world.
28
Magic*Touch
Access your accounts by phone with this voice response
telephone service. Perform the following transactions:
•
•
•
•
•
•
Balance Inquiries and Transaction History
Loan Payments
Check Reorders
Transfer Funds
Credit Card Payments
Check Verifications
Simply call (904) 777-6001 or (800) 235-6289 and follow
the step-by-step instructions. Magic*Touch requires a
personal identification number (PIN), which can be obtained
from any branch office or our Call Center at (904) 777-6000
or (800) 445-6289, option 1.
Direct Deposit Service
Have your pay, retirement, or Social Security check funds
deposited into your VyStar account automatically with this
free service. When setting up a direct deposit to your
account, you will be asked for your account number and
VyStar’s Routing Number, which is 2 6 3 0 7 9 2 7 6 .
CONVENIENCE SERVICES
VyStar Online at www.vystarcu.org
VyStar Call Center
Our website gives you access to information about VyStar
Credit Union and VyStar Financial Group, LLC, along with
many of the tools you need to perform your daily financial
transactions.
Need help choosing the right account or want to apply for a
loan right over the phone? VyStar Representatives are
standing by to help you. Simply call (904) 777-6000 or (800)
445-6289, option 9.
•
Internet Banking – Transfer funds, check balances, order
checks, pay bills, apply for a loan, review e-Statements,
view checks and more, all with the click of a mouse.
Use VyChat to conduct a live session online with a VyStar
Representative at www.vystarcu.org.
Additional Conveniences
•
Deposit Services – Order a Check Card, check VyStar’s
deposit rates, learn about IRAs, and find out more about
other products and services.
VyStar offers several products and services that are available
on request at our branch offices or by phone through our Call
Center. Need other services? Let us know.
•
Loan Services – Visit Auto Center to check loan rates,
research and price a new or used car, find ways to apply
for a loan and refinance your existing car from another
creditor, and more.
•
•
•
•
Locations – Find the addresses, phone numbers of our
offices and ATMs throughout the VyStar area.
•
Legal – Review our Disclosures on how accounts work
along with our Privacy and Security Statements to protect
our members.
•
VyStar News – The current edition of VyStar Facts is
always posted on our website for member viewing.
•
Student Center – Young members, elementary age
through college, have a place to go for fun, games, cool
articles and lots of helpful financial information designed
just for them. For ages 13 and over, order a Reloadable
Student Visa Program (RSVP) Card and, find out more
about our VyTeen, Bravo and Achieve Accounts.
•
Financial Calculators – Determine a loan payment, convert
currency, or even find the current stock market information.
•
•
•
Free Notary Services
Safe Deposit Boxes at most branch locations
Domestic (U.S.) Wire Transfers; Incoming International
Wires only
Visa® Gift Cards (website and branches only)
Signature Guarantee
Official Checks
NCUA Insurance
Deposits in your individual accounts are added together and
insured up to $250,000. Joint accounts are also added together
and insured up to $250,000. Adding beneficiaries to your
account can help insure funds that exceed $250,000. VyStar
retirement accounts are insured up to $250,000.
Account Ownership
An account may be set up as an individual (sole) account or
a joint account (two or more members with full access). You
may assign the same beneficiary for all accounts or a
different beneficiary for each savings, checking or certificate
account held at VyStar.
29
A T IP
FROM
V Y S TAR
Get the Most out of
Your Membership
YOU’RE NOT ONLY A MEMBER –
YOU’RE AN OWNER. YOU CAN HELP US
SERVE YOU BETTER BY EXERCISING
YOUR MEMBERSHIP RIGHTS
–
LIKE
ANSWERING OUR SURVEY QUESTIONS,
REPORTING PROBLEMS ON COMMENT
CARDS, AND INFORMING US OF ANY
FINANCIAL
IDEAS,
GOALS,
CONCERNS YOU MAY HAVE.
HERE TO HELP.
MEMBERSHIP IS EASY
SOMETHING FOR EVERYONE
30
OR
WE’RE
YOUR MEMBERSHIP
We Never Forget That It’s Your Money
How to Reach Us
Whether it’s money management with simple checking
accounts, money power with loans for purchases, money
saving with IRAs, or money generation with investment
accounts, we can serve your needs from top to bottom.
(904) 777-6000 (Jacksonville) or (800) 445-6289 (toll free)
VyStar serves more consumers than ever before.
Thousands of individuals living or working in Northeast
Florida, as well as the many businesses operating
throughout the area, rely on VyStar to help fulfill their
financial goals and dreams.
Any business, club, church, organization or association
located throughout our service area, and any person who is
related to a member by blood, marriage or adoption –
regardless of where they live – may join.
Lifetime Membership
Our policy is, “Once a member, always a member.” You
only need to keep $5 on deposit in your Savings Account to
keep your membership active.
You can submit your membership application by mail (be
sure to follow the application instructions) or stop by any
VyStar branch. An application is also available on our
website at www.vystarcu.org.
It only takes a few minutes, but the benefits last a lifetime.
Be sure to keep in touch with us on any changes to your
personal information – new addresses, marriages, births,
and other matters. Wherever your future takes you, VyStar
can help meet your needs.
We look forward to the opportunity of serving you.
• Free Call Center: Option 9
Monday – Friday 8:30 a.m. to 7:00 p.m.
Saturday – 9:00 a.m. to 3:00 p.m.
VyChat at www.vystarcu.org; available Mon.– Fri 7:00
a.m.– 9:00 p.m. and Saturday 8:00 a.m.– 5:00 p.m.
TDD Telephone Service for Hearing and
Speech Impaired: (904) 908-2320 or (888) 872-5738
Interpreters over the phone through Language Line®.
• 24-hour Rate Information: Option 5
• Mortgage Lending Department: Extension 2689
• Business Services Department: Extension 2292
• Investment Services Department: Extension 2495
• VyStar Financial Group, LLC: Extension 2633
• VyStar Title Agency: Extension 2874
• 24-hour Magic*Touch: (904) 777-6001 or
(800) 235-6289; For Spanish (904) 594-5483 or
(888) 978-2728. Phone our Call Center for PIN.
• Website & Internet Banking www.vystarcu.org
(Mobile Site, Mobile Banking & Text Message Banking)
• Routing Number for direct deposit and wire
transfers: 2 6 3 0 7 9 2 7 6
• Branch & ATM Locations are on our website
Account Disclosure
For specific information on our accounts, ask for a copy of
VyStar’s Membership Booklet. It can also be found on our
website at www.vystarcu.org
We’re always happy to hear from you and help in any way
we can. If you have any questions, call us at (904) 777-6000
or (800) 445-6289, option 9 or email us at [email protected].
31
P.O. BOX 45085
JACKSONVILLE, FL 32232-5085
(904) 777-6000 • (800) 445-6289
FEDERALLY
INSURED
BY
NCUA
©2014 VyStar Credit Union
03/14