After 40 years of loyalty - they got the BOOT! This failing financial institution remains dysfunctional going on 5 weeks. Sporadic to, no on-line account access. NO telephone access except an automated program. NO reliable external transfer capability. NO on-line chat capability. Account updates are untimely and inaccurate. Their so-called "Risk Security & Fraud Dispute department " is undoubtedly, the worst in the industry." They will harass a member to verify each transaction, yet cant notice the most obvious repeating fraud transactions occuring during their complete system failure. I lost thousands. We're so fortunate to have recovered our funds. Vystar has NO member/customer loyalty. I was able to withdraw most of my remaining funds and deposit in a reliable credit union. Unfortunately, the receiving institution placed an extended hold on their certified checks until VyStar was able to actually transfer the funds. No wonder they are not BBB accredited! Sad, but true.