VyStar Credit Union Routing Number

Your complete guide to VyStar Credit Union routing numbers for ACH transfers, wire transfers, and direct deposit setup across Florida and Georgia.

Wire Transfer (Domestic)

263079276

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Wire Transfer (International)

Not available for personal accounts

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ACH Transfer

263079276

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Swift Code

Not available

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ACH routing numbers vary by state. See state-specific numbers below.

This is an informational resource from Nickel Payments

We are not affiliated with VyStar. Nickel supports secure transfers from VyStar and thousands of other banks. For official VyStar support, contact them directly.

VyStar Credit Union Routing Number

VyStar Credit Union uses a single routing number for all members across all states where they operate. Whether you opened your account in Jacksonville, Orlando, Tallahassee, or Georgia, you'll use the same routing number for all transactions.

Primary Routing Number: 263079276

Use this number for:

- ACH transfers

- Direct deposits

- Wire transfers (domestic)

- Bill payments

- External account links

- Mobile check deposits

- All transaction types

Service Areas:

VyStar serves members across Florida and Georgia with branches throughout:

Florida (49 Contiguous Counties - Central to North Florida):

- Northeast Florida: Duval (Jacksonville), Clay, Nassau, St. Johns, Baker, Flagler Counties

- Central Florida: Orange (Orlando), Seminole, Osceola, Brevard (Space Coast), Volusia Counties

- North Florida: Alachua (Gainesville), Marion, Leon (Tallahassee), Bradford, Columbia, Suwannee, Taylor, Dixie Counties

- Additional counties throughout Central and North Florida

Georgia (29 Counties - Southeast Georgia):

- Camden, Charlton, Glynn (Brunswick area), Ware, Pierce, Brantley Counties

- Chatham (Savannah area), Liberty, McIntosh, Long, Bryan Counties

- Fulton (Atlanta metro), DeKalb, Gwinnett, Cobb, Clayton Counties

- Additional counties throughout Southeast Georgia and Metro Atlanta

Military Members:

- Past and present military members and their families worldwide are eligible for membership regardless of location

Note: As a credit union, VyStar uses one routing number for all members and all transaction types. This makes banking simpler than at large national banks that often have different routing numbers by state or transaction type.

Important Information

Everything you need to know before making a transfer

Avoid Common Mistakes

These errors cause most routing number problems

Using a routing number from the wrong state
Mixing up ACH and wire routing number
Entering your account number instead of routing number
Using an old routing number after a bank merger
Not updating routing number after moving states and opening a new account

Processing Times

Wire transfers: Same business day
ACH transfers: 1-3 business days
International wires: 3-5 business days

Security Tips

Routing numbers are public and safe to share
Never share your full account number publicly
Verify recipient details before sending money

Transaction Limits

Wire transfer limits vary by account type
ACH transfers may have daily limits
Contact bank for specific limit information

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How to Find Your VyStar Bank Routing Number

Multiple ways to locate your VyStar Bank routing number quickly

On Your Check

The routing number is the first 9 digits on the bottom left of your check, before your account number.

Online Banking

Log into your VyStar online banking and navigate to Account Details to view your routing number

Mobile App

Open the VyStar mobile app, select your account, and tap on Account Details to find your routing number.

Bank Statement

Your routing number is printed on your monthly bank statement, usually near your account information.

Contact Bank

Call VyStar customer service at 1-800-445-6289 for assistance finding your routing number.

Frequently Asked Questions About VyStar Credit Union Routing Numbers

Why does VyStar Credit Union only have one routing number?VyStar Credit Union was founded in 1952 as Jax Navy Federal Credit Union at Naval Air Station Jacksonville to serve military and civil service members. As a credit union, VyStar operates with a single routing number (263079276) for all members across Florida and Georgia. Unlike large national banks that acquired regional institutions and maintained separate routing numbers, credit unions typically use one unified number. This reflects VyStar's cooperative structure and centralized operations based in Jacksonville, Florida.

Can I use the same routing number if I opened my account in Florida but now live in Georgia?Yes. All VyStar members use routing number 263079276 regardless of which state or branch they opened their account in. This applies whether you joined at a branch in Jacksonville, Orlando, Savannah, Atlanta, or any other VyStar location. The routing number follows your membership, not your location, and works for all transaction types.

What's the difference between ACH and wire routing numbers at VyStar?There is no difference. VyStar uses routing number 263079276 for both ACH transfers and domestic wire transfers. You can use this same number for direct deposit, bill payments, external transfers, and wires. This simplicity is one of the benefits of banking with a credit union rather than a large national bank with complex routing structures.

Can I receive international wire transfers to my VyStar account?Yes, VyStar accepts incoming international wire transfers for all members at no fee. However, VyStar does not have a SWIFT code. The sender's bank will need to use a correspondent bank in the United States to forward the funds to VyStar domestically using routing number 263079276. Contact VyStar member services at 1-800-445-6289 for specific incoming international wire instructions and the correspondent bank details the sender will need.

What are VyStar's wire transfer fees and who can send international wires?VyStar charges $15 for outgoing domestic wire transfers (free for VyStar Senior Checking members). Incoming wire transfers are always free, both domestic and international. International outgoing wire transfers are available exclusively to VyStar Business members - personal account holders cannot send international wires from VyStar. Business members should contact VyStar directly at 1-800-445-6289 for international wire transfer services and fees.

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