VyStar Credit Union Routing Number: Florida Member Guide

What is the VyStar Credit Union routing number?

VyStar Credit Union uses routing number 263079276 for all member accounts. This nine-digit ABA routing number is required for ACH transfers, direct deposits, wire transfers, and automatic payment setups.

VyStar Credit Union is headquartered in Jacksonville, Florida, and is the largest credit union in Northeast Florida with over 900,000 members and $14 billion in assets. Founded in 1952, it originally served military and civilian employees at Naval Air Station Jacksonville.

How to find your VyStar routing number

Routing number 263079276 is printed at the bottom-left corner of your VyStar checks. You can also find it through VyStar's online banking platform or mobile app by navigating to your account information.

Every VyStar member uses the same routing number regardless of branch location or when the account was opened. This applies to all account types including checking, savings, and money market accounts.

VyStar wire transfers and ACH payments

VyStar processes domestic wire transfers using routing number 263079276 through the Fedwire system. Members can initiate wires by visiting a branch or calling member services, with incoming wires typically posting the same day.

ACH transfers — including payroll deposits, government benefits, recurring bill payments, and peer-to-peer transfers — all use this routing number. VyStar supports standard ACH settlement on regular Federal Reserve timelines.

VyStar business banking

VyStar provides business checking and savings accounts, commercial and SBA loans, business credit cards, and merchant services. Their business accounts include features like online cash management, remote deposit capture, and positive pay.

With over 70 branches across Northeast and Central Florida, plus shared branching access through the CO-OP network, VyStar offers broad convenience for Florida-based businesses. Membership is open to residents in 49 Florida counties.

How Slash compares to VyStar

VyStar offers strong credit union rates and an extensive Florida branch network, while Slash provides a modern digital business banking experience accessible nationwide. Slash delivers up to 2% cashback, unlimited virtual cards with per-card spending controls, and built-in expense management.

For businesses seeking digital-first banking without Florida membership requirements, Slash provides stablecoin payments, real-time spend tracking, treasury yield, multi-entity support, and automated accounting integrations — all from a single platform.