I've had the same account with Vystar since 1981. Yes, 43 years. I've always been happy with VyStar up until the last 4 years. First the system implementation that went wrong. And now every thing takes 7-10 days to process. I opened an additional checking acccount and transfered my money from my linked account. Yes my money. Well 5-7 days for and internal transact to hivlt the new account. They are literally holding my money. When I opened the account I asked for a debit card. In the past they generated a debit card immediately. Now, 5-10 days that has turned into 2 weeks. Their service is far from what it used to be. It's time for a change!