Skip to Main Content Skip to Internet Banking Skip to Sitemap
COVID-19
We are here to help our members. Branch Status | Mortgage | Loans | Businesses | Stimulus | Announcements
Close Alert
VyStar Credit Union VyStar Credit Union mobile view
  • Login
  • Become a Member
  • Locations
  • Contact Us
Search this site
  • Rates
    • Business Deposit & Loan Rates
    • Certificate Account Rates
    • Consumer Loan Rates
    • Credit Card Rates
    • Deposit Account Rates
    • Home Equity Loans & Lines Rates
    • Mortgage Loan Rates
  • Products & Services
    • Checking & Savings
      • Checking Accounts
        • Money Market
        • Magic*Touch
      • Savings Accounts
        • Holiday Savings Account
        • Certificates of Deposit (CD)
    • Lending
      • Auto & Recreational Loans
      • Personal Loans
      • Mortgages
      • Apply for a Loan
      • Make a Loan Payment
      • Adoption Line of Credit
      • Emergency Relief Loan
    • Business Banking
      • Business Membership
      • Business Deposit Accounts
      • Business Lending
      • Business Services
      • Small Business Resource Library
      • VyStar@Work
    • Cards & Services
      • Credit Cards
      • Debit Cards
      • Visa Reloadable Prepaid Cards
      • Gift Cards
      • uChoose Rewards
    • Investments
      • VyStar Investment Services
    • Insurance
      • Home
      • Auto
      • Family Protection
        • Delta Dental®
    • Real Estate Services
      • VyStar Title Agency
  • Online Services
    • Mobile
      • Mobile Check Deposit
      • Touch ID/Fingerprint Recognition
      • Card Control App
    • Internet Banking Access
      • Bill Pay Services
      • Send Money with Zelle®
      • External Transfers
      • Email, Text and Push Alerts
      • Entitlements
      • Make a VyStar Payment
      • Internet & Mobile Security
      • Ways to Go Green
    • Protection Center
      • Reporting Fraud
      • How to Protect Yourself
        • FraudScout
      • How VyStar Protects You
        • Scam Warnings
  • Financial Tools
    • Advice & Planning
      • Financial Calculators
      • Money Management
      • Financial Counseling
      • Real Estate Tools
        • Should You Refinance?
      • Hurricane Resources
      • Loan Tools
    • Financial How-To
      • Money Makeover
      • Accounts Management
        • Setting Up Direct Deposit
      • Personal Finances
        • Create a Budget
        • Free Credit Report
    • Investments & Insurance Tools
      • Introduction to Insurance
      • Saving for Retirement
      • Investment Vehicles
      • History and Trends of the Stock Market
      • Compound Interest Mind Bend
      • Rule of 72
    • Video Library
    • Brochure Library
    • VyStar University
  • About Us
    • Blog
    • Calendar
      • Holiday Closings
    • Newsroom
      • Current Promotions
      • Coronavirus (COVID-19)
      • VyStar Branch Artwork
    • Organization
      • Our Vision & Mission
      • Our History
      • Our Team
      • Financial Information
    • Community Involvement
      • Dr. Phillips Center Frontyard Festival™
      • Orlando Solar Bears
      • Veterans Memorial Arena
      • High School Branch Programs
      • Sponsorship Requests
      • Get Involved with Community Events
      • Military Support
    • Credit Unions vs. Banks
  • Membership & Benefits
    • Becoming a New Member
      • Join Now - Open an Account
      • Why Join VyStar
      • Who Can Join
      • How To Join
      • VyStar Switch Kit
      • Apply for a Loan
      • Owner's Manual
    • Benefits of VyStar Membership
Login
Search this site

  • Rates
    • Business Deposit & Loan Rates
    • Certificate Account Rates
    • Consumer Loan Rates
    • Credit Card Rates
    • Deposit Account Rates
    • Home Equity Loans & Lines Rates
    • Mortgage Loan Rates
  • Products & Services
    • Checking & Savings
      • Checking Accounts
        • Money Market
        • Magic*Touch
      • Savings Accounts
        • Holiday Savings Account
        • Certificates of Deposit (CD)
    • Lending
      • Auto & Recreational Loans
      • Personal Loans
      • Mortgages
      • Apply for a Loan
      • Make a Loan Payment
      • Adoption Line of Credit
      • Emergency Relief Loan
    • Business Banking
      • Business Membership
      • Business Deposit Accounts
      • Business Lending
      • Business Services
      • Small Business Resource Library
      • VyStar@Work
    • Cards & Services
      • Credit Cards
      • Debit Cards
      • Visa Reloadable Prepaid Cards
      • Gift Cards
      • uChoose Rewards
    • Investments
      • VyStar Investment Services
    • Insurance
      • Home
      • Auto
      • Family Protection
        • Delta Dental®
    • Real Estate Services
      • VyStar Title Agency
  • Online Services
    • Mobile
      • Mobile Check Deposit
      • Touch ID/Fingerprint Recognition
      • Card Control App
    • Internet Banking Access
      • Bill Pay Services
      • Send Money with Zelle®
      • External Transfers
      • Email, Text and Push Alerts
      • Entitlements
      • Make a VyStar Payment
      • Internet & Mobile Security
      • Ways to Go Green
    • Protection Center
      • Reporting Fraud
      • How to Protect Yourself
        • FraudScout
      • How VyStar Protects You
        • Scam Warnings
  • Financial Tools
    • Advice & Planning
      • Financial Calculators
      • Money Management
      • Financial Counseling
      • Real Estate Tools
        • Should You Refinance?
      • Hurricane Resources
      • Loan Tools
    • Financial How-To
      • Money Makeover
      • Accounts Management
        • Setting Up Direct Deposit
      • Personal Finances
        • Create a Budget
        • Free Credit Report
    • Investments & Insurance Tools
      • Introduction to Insurance
      • Saving for Retirement
      • Investment Vehicles
      • History and Trends of the Stock Market
      • Compound Interest Mind Bend
      • Rule of 72
    • Video Library
    • Brochure Library
    • VyStar University
  • About Us
    • Blog
    • Calendar
      • Holiday Closings
    • Newsroom
      • Current Promotions
      • Coronavirus (COVID-19)
      • VyStar Branch Artwork
    • Organization
      • Our Vision & Mission
      • Our History
      • Our Team
      • Financial Information
    • Community Involvement
      • Dr. Phillips Center Frontyard Festival™
      • Orlando Solar Bears
      • Veterans Memorial Arena
      • High School Branch Programs
      • Sponsorship Requests
      • Get Involved with Community Events
      • Military Support
    • Credit Unions vs. Banks
  • Membership & Benefits
    • Becoming a New Member
      • Join Now - Open an Account
      • Why Join VyStar
      • Who Can Join
      • How To Join
      • VyStar Switch Kit
      • Apply for a Loan
      • Owner's Manual
    • Benefits of VyStar Membership

  • Login
  • Become a Member
  • Locations
  • Contact Us
Home > Online Services > Internet Banking Access > Internet & Mobile Security

Internet & Mobile Security

A simple username and password combination is not strong enough to protect your valuable account information against hackers and identity thieves.

VyStar has a number of features in place to help ensure the security of your accounts, including multifactor authentication (MFA), encryption, timed log-out, firewalls and more. There are also several steps you can personally take to secure your online experience.

To learn about the top 25 stolen passwords, top ways to protect yourself online and more security statistics, click here

Internet & Mobile Security FAQ

How do I create a strong username and password for my Internet Banking account?

While a username and password alone are not enough to safeguard your online experience, they are still essential to protecting your identity and information online. We encourage you to create a unique username and password for your account and not share it with others—not even friends, family members or business associates. Here are some tips for creating and using a strong username and password:

  • Create a long password of at least 14 characters. Instead of using a single word, use multiple words or a complete sentence. Passwords like these are known as “passphrases.”
  • Make sure your username and password are difficult to guess. Use a combination of uppercase and lowercase letters, numbers and special characters.
  • Never use personal information for your username or password, such as birth dates, social security numbers, addresses, names or anything else that is easily obtainable via social media or Google.
  • Use different usernames and passwords for different accounts. For example, never use the same login information for your VyStar accounts and your social media accounts.
  • Consider the use of password manager software if you have too many passwords to remember.
  • Change your password every three months. If you believe that your password has been compromised, change it immediately.
  • Remember that no VyStar representative will ever ask you for your VyStar Internet Banking password.

What is multifactor authentication (MFA)?

Accessing your accounts with a username and password is known as single-factor authentication because it solely relies on something you know (your username and password combination). MFA or Multifactor Authentication relies on more than one of the three basic factors used to authenticate a user, making it a more secure process. The factors used today are:

  • Something you know (e.g., password, PIN, etc.)
  • Something you have (e.g., ATM card, smart card, computer, mobile phone, etc.)
  • Something you are (e.g., biometric characteristics, fingerprints, etc.)

If you use an ATM or debit card, you are using MFA because you need two factors to complete the transaction: your ATM or debit card (something you have) and your PIN (something you know). VyStar’s Internet Banking uses a system called Intelligent Authentication™ (IA) to leverage the security of MFA.

What is Intelligent Authentication™ (IA) and how does it relate to MFA?

Due to a variety of security threats such as Trojans, keystroke logging, phishing, etc., single-factor authentication (such as the combination of a username and password) to identify and authenticate a user has proven to be inadequate to secure user accounts on websites. IA is an enhanced security measure and a multifactor verification approach to authentication that augments the traditional username and password combination. IA tracks and examines members’ Internet & Mobile Banking usage behavior patterns and other nonpersonal information gathered from each request to access the login page. With this information, a user profile or “access signature” is built, which can be used to authenticate a user. Alternatively, this information can help determine when it is necessary to challenge a user or even block suspicious visitors from accessing Internet Banking.

 

Why am I being challenged when I try to log in to my accounts?

As Intelligent AuthenticationTM builds the access signature over time, various patterns and attributes are learned by the system. Just like it takes time for you to recognize another person’s face, IA also takes time to learn each user as they access their accounts on their computer. Until a reliable access signature can be built, any user will likely be challenged when they log in. Even then, a strong IA system will still occasionally challenge the user—especially if their behaviors, usage patterns or devices change or are updated. The challenge is typically a code sent via text or voice call to your mobile phone (something you have) and is the second factor in the MFA process, which helps us verify your identity. Other options are available, but this code is the most common method.

What is encryption?

Encryption is a process used to scramble confidential data passed between two points so that it is not readable to others. VyStar uses 128-bit encryption technology where the "128" refers to the length of the encryption key used to scramble the data. The longer the key, the greater the security.

Is Internet Banking at VyStar Credit Union encrypted?

Absolutely all nonpublic information collected by or available on Internet Banking is protected through the use of the secure socket layer (SSL) protocol and 128-bit encryption. SSL is an encryption system that creates a secure environment for information that is passed between the member’s computer and VyStar Credit Union. Your information is completely secure when you are logging in to Internet Banking. Internet Banking browser requirements are listed here.

Why did the system automatically log out of my session?

Each user session is set up to stay active for a specific period of time. If you do not interact with Internet Banking within that timeframe, the system will time out and automatically log out. If your session times out and you are not finished using VyStar Internet Banking, you will need to log in again. This security feature reduces the window of opportunity for an unauthorized user to access your account information if you walk away from a computer without logging out of VyStar Internet Banking.

How can I keep my account information confidential when using VyStar Internet Banking?

VyStar is confident that we have taken the necessary security precautions to ensure our Internet account access service is secure and your account information remains confidential. However, it is also your responsibility to play an active role in protecting the security of your accounts. Here are some ways you can protect yourself:

  • Use Multifactor Authentication, in addition to your unique username and password, to enhance access security to your Internet Banking account.
  • Don’t walk away from your computer in the middle of an active VyStar Internet Banking session. If you are logged in and walk away, anyone can sit in front of your computer and have immediate access to your account. Always remember to log out when you are finished with your session.
  • Use extra caution when using computers or free Wi-Fi access in public areas such as libraries, schools, hotels, restaurants, airports, etc. These computers are accessed by multiple individuals, and free Wi-Fi is inherently less secure in most cases.
  • We also strongly recommend that you clear your browser’s cache before you leave the Internet Banking site. This prevents someone else from being able to view your account information, which is temporarily stored on your computer. Check browser options for automatic cache clearing upon program exit.
  • Many mobile devices allow the use of a PIN to access the device. Use this feature to secure your phone and remember that the PIN is simply another password. The longer the mobile device’s PIN is, the more secure it is.
  • For accounts that you no longer use, make sure to close, delete or disable these unused accounts.
  • Be suspicious of any requests via text, phone, computer or email for your personal information. Remember that VyStar will never solicit personal or financial information unless you initiate the request. If you receive such a message when you have not initiated the request, do NOT respond to it. It is best to delete the text message, email or phone message.

What if I forget my VyStar Internet Banking password?

Click on the “Forgot your Password?” link under the Internet Banking login screen. You can also call us at (904) 777-6000 or 1 (800) 445-6289, option 3.

Security Features List
Scam Warnings

At VyStar Credit Union, we’re focused on keeping you, and your money, safe.

Check back here for frequent updates regarding local, national and digital

scams and other threats.

Reporting Fraud

If you suspect someone has gained access to your important personal

information (e.g., your social security number or VyStar account number),

get more information here about how to report the suspicious activity

and protect your identity.

ATM Safety Tips

We’re not just focused on keeping your money safe; we’re also extremely

dedicated to keeping you safe. Protect yourself while using any ATM

by following these expert security tips.

 

Internet & Mobile Security
  • Internet & Mobile Security Statistics
Internet Banking Access
  • Bill Pay Services
  • Send Money with Zelle®
  • External Transfers
  • Email, Text and Push Alerts
  • Entitlements
  • Make a VyStar Payment
  • Manage Money in Internet Banking
  • Sign Up for e-Statements
  • Internet & Mobile Security
  • Internet Banking FAQs
  • Ways to Go Green
  • Internet Banking Quick Start Guide
  • Internet & Mobile Banking New User Enrollment
  • Rates
    • Business Deposit & Loan Rates
    • Certificate Account Rates
    • Consumer Loan Rates
    • Credit Card Rates
    • Deposit Account Rates
    • Home Equity Loans & Lines Rates
    • Mortgage Loan Rates
  • Products & Services
    • Checking & Savings
    • Lending
    • Business Banking
    • Cards & Services
    • Investments
    • Insurance
    • Real Estate Services
  • Online Services
    • Mobile
    • Internet Banking Access
    • Protection Center
  • Financial Tools
    • Advice & Planning
    • Financial How-To
    • Investments & Insurance Tools
    • Video Library
    • Brochure Library
    • VyStar University
  • About Us
    • Blog
    • Calendar
    • Newsroom
    • Organization
    • Community Involvement
    • Credit Unions vs. Banks
  • Membership & Benefits
    • Becoming a New Member
    • Benefits of VyStar Membership
  • Like our page on Facebook
  • See our photo stream on Instagram
  • Follow us on Twitter
  • Subscribe to our YouTube channel
  • Check us out on LinkedIn
  • Explore our Pins
  • Sitemap
  • Careers
  • Disclosures
  • Privacy
  • Security
  • Accessibility

VyStar Credit Union
P.O. Box 45085
Jacksonville FL 32232
904-777-6000 or 800-445-6289
Routing Number 263079276

  • Federally Insured by NCUA
  • Equal Housing Lender
  • Verified by Visa