I've been with VyStar since they started at NAS Jax. I live at Jax Bch as do many other customers. VyStar went on an expansion program and at that point started going downhill. The employees that work there are good, but the Management is making bad decisions. Recently, they decided to close their Jax Bch branch and leave open a branch in Ponte Vedra where access to the building is very limited. They left open a branch in Neptune Bch which is also very inconvenient. Instead of branching out into Georgia, they should concentrate on local people first. Also, their interest rates on any type of Savings are very low in comparison to the rates I can get elsewhere. So, I am pulling out most of my funds and will be placing them where I can get much, much higher interest. I don't want to have to do this, but VyStar has gone downhill and does not look after their customers.