Establish a Membership for your Business

VyStar’s lending and deposit products enable our business community to prosper, from start up through to expansion and maturity.  It all starts with membership. 

Eligibility Requirements

• Your business must be located within VyStar Credit Union’s field of membership. 
• All Beneficial Owners* and individuals that wish to transact on the account(s) must be individually eligible for membership and all personal accounts with VyStar must be in good standing.
• The business account must be listed as "active" on Sunbiz.org, if operating in Florida or Ecorp.sos.ga.gov, if operating in Georgia. 
• The Certification of Beneficial Owner(s) Form must be completed for all Legal Entities.
• Any individual that will transact on the account(s) must sign the Business Membership Application to authorize account opening and agree to be on the account.
• A valid/current form of government issued ID must be provided for all Beneficial Owners* and any individuals that wish to transact on the account(s).

Note: At least one Beneficial Owner* must be listed as a signer on the account.

*Beneficial Owner(s) are considered any individual(s) who directly or indirectly own 25% or more of the legal entity and at least one person with significant managerial control in the business (i.e. CEO, MGR, PRS, VP, TREAS etc)

How to join: 

• Visit any of our branches with the information listed below for your business type. Click here for locations and hours. 
• For membership questions, visit your local branch or contact Business Services at (904) 908-2292.

Helpful Tips for Joining:

• Download the printable Business Application Checklist to help ensure you have all the information needed to establish membership.
• Complete the Business Membership Application prior to visiting a branch.
• Complete the Certification of Beneficial Owner(s) Form prior to visiting a branch.

What you need to bring with you, based on your business type: 

Sole Proprietorship

• Copy of Driver’s License (must be current/valid)
• Proof of Federal Tax ID Number (if not using personal Social Security Number) evidenced by IRS Letter, Business Tax Return Document or Tax Payment Coupon
• Fictitious name filing with State of Florida/Georgia if using a DBA name
• Please ensure all signatures are provided on the Business Membership Application. 

General Partnership/Limited Partnership

• Copy of Partnership Agreement listing ownership percentages 
• Fictitious Name Filing if Applicable
• Copy of Driver’s License for each Partner (must be current/valid)
• Proof of Federal Tax ID Number evidenced by IRS Letter, Business Tax Return Document or Tax Payment Coupon
• Verification of principal business address for the business
• Please ensure all signatures are provided on the Business Membership Application.
• Completed Certification of Beneficial Owner(s) Form

Limited Liability Company (LLC) 

• Copy of Articles of Organization, Latest  Amendment,  most recent Annual Report, Operating Agreement or K1 Tax Document (document must list current Beneficial Owners)
• Copy of Driver’s License for all Beneficial Owner(s) and signers (must be current/valid)
• Proof of Federal Tax ID Number (if not using personal Social Security Number) evidenced by IRS Letter, Business Tax Return Document or Tax Payment Coupon 
• Active Fictitious Name Filing with LLC listed as owner (if using DBA)
• Verification of principal business address for the business
• Please ensure all signatures are provided on the Business Membership Application.
• Completed Certification of Beneficial Owner(s) Form

Corporation

• Copy of Articles of Incorporation, latest Amendment, most recent Annual Report, Bylaws, K1 Tax Document, Corporate Resolution or Shareholder’s Agreement (document must list current Beneficial Owners)
• Copy of Driver’s License for all Beneficial Owner(s) and signers (must be current/valid)
• Proof of Federal tax ID number) evidenced by IRS Letter, Business Tax Return Document or Tax Payment Coupon 
• Active Fictitious Name Filing with Corporation listed as owner (if using DBA)
• Verification of principal business address for the business
• Please ensure all signatures are provided on the Business Membership Application.
• Completed Certification of Beneficial Owner(s) Form

Clubs/Organizations/Non-Profit

• Copy of Articles of Incorporation (if Incorporated), latest Amendment, most recent Annual Report, Bylaws or Minutes stating the officers representing the organization
• Copy of Driver’s License for all signers (must be current/valid)
• Proof of Federal Tax ID Number evidenced by IRS Letter, Business Tax Return Document or Tax Payment Coupon (if small club operating under another group, letter from sponsoring organization authorizing use of EIN required)
• A letter from the organization that acknowledges the account opening, confirms the identity of the organization’s members authorized to open the accounts, and signed by the authorized officers representing the organization
• Verification of principal business address for the business
• Please ensure all signatures are provided on the Business Membership Application.
• If Incorporated, Section II completed of the Certification of Beneficial Owner(s) Form detailing an Officer/Director listed in the provided documentation stating the officers representing the organization.  

All new memberships are subject to approval. Credit union programs, services, rates, terms and conditions are subject to change at any time without notice.