VyStar routing number
Your complete guide to VyStar Credit Union routing numbers for ACH transfers, wire transfers, and direct deposit setup across Florida and Georgia.
Last verified June 2026
VyStar routing number
Use the ACH number for direct deposits and ACH transfers, the wire number for domestic wires, and the SWIFT code for international wires.
More about VyStar
VyStar Credit Union Routing Number
VyStar's ACH routing number is 263079276, used for direct deposits, ACH transfers, and domestic wires.
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.
Get it right the first time
A wrong number can bounce a transfer or send it into limbo. Two minutes here saves a week of waiting.
- Using the wire number for an ACH transfer (or vice-versa)
- Transposing a digit; always copy, don’t retype
- Forgetting the SWIFT code on incoming international wires
- Routing numbers are public — your account number is what to protect
- Only share account details over channels you initiated
- Verify new payees by phone before the first transfer
- Watch for invoice-swap scams that change banking details
How to find your account number
The 9-digit number in the lower-left, before your account number.
Sign in, open the account, and view account & routing details.
Printed near your account number in the statement header.
1-800-445-6289, or ask at any VyStar branch.
FAQs
Common questions about ACH and wires through VyStar
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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