I would choose a zero rating if I could. VyStar is the absolute worst! I've banked with them for over 20 years. I have six accounts with them, including a business account. This past year has been the worst experience you could have at a credit union. I use bill payers. Well, they send my bills late. As of lately, I've received a late fee on my credit card bills because of the late send-off. When I called to ask what the problem could be, it turns out if the bill payment date falls on a weekend, then VyStar sends it late. The rule is if the due date falls on a weekend, then it's sent early. When I contacted them, they suggested that I send it early. Wow! I couldn't believe it. I have 15 recurring payments and they suggest that. That completely defeats the purpose of online recurring payments (bill payers). Honestly, this is just one problem I've had with them. I can go on and on. I absolutely hate this credit union! They've gone down in quality. Horrible.