VyStar overdraft fee
VyStar Credit Union's member fee schedule, effective February 1, 2026, prints a $32 non-sufficient funds fee and Courtesy Pay of $29 when the transaction is over $5. A transfer from a linked VyStar account is $2. The wider table is US overdraft fees by bank. Suncoast, also in Florida, prints $29 on Suncoast overdraft fee.
Last updated: October 22, 2026
Last checked: Oct 2026
What the February 2026 schedule prints
Opened 22 October 2026. The dollars are on VyStar's member fee schedule, effective February 1, 2026. Non-sufficient funds is $32. Courtesy Pay is no fee when the transaction is $5 or less, and $29 when it is $5.01 or more. An overdraft transfer is $2. A returned check that is payable to and drawn on the same person is $32. A two-party returned check is $8. VyStar+ Checking has a $5.99 monthly service fee. The schedule prints 904-777-6000 and 800-445-6289 for pricing questions.
The $2 transfer is the cheaper line on this page when a linked VyStar account can cover the item. Courtesy Pay at $29, or the $32 NSF line, is what the schedule prints when that transfer is not what clears it. Transactions of $5 or less have no Courtesy Pay fee. Asking VyStar to remove a fee already charged is a request. VyStar can say no.
The line on your own statement is the one that counts. Upload it on the upload page. The PDF stays on your device. Expenvo lists the lines. It does not call the institution.
| Line | What VyStar prints |
|---|---|
| Non-sufficient funds | $32 |
| Courtesy Pay, transaction $5 or less | No fee |
| Courtesy Pay, transaction $5.01 or more | $29 |
| Overdraft transfer | $2 |
| Returned check, same person | $32 |
| VyStar+ Checking monthly fee | $5.99 |
Questions
- How much is a VyStar NSF fee?
- The February 1, 2026 schedule prints $32 for non-sufficient funds. Courtesy Pay is no fee at $5 or less and $29 above that. An overdraft transfer is $2.
- Is Courtesy Pay the same as the $32 NSF fee?
- No. They are separate rows. Courtesy Pay is $29 when the transaction is $5.01 or more. The NSF row is $32.
- How do I avoid the larger VyStar fee?
- A linked VyStar transfer is $2 on this schedule, which is less than $29 or $32. Courtesy Pay has no fee on a transaction of $5 or less. A fee already posted is a request. VyStar can say no.
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