The transition from 121 FCU to Vystar has been nothing but a nightmare! This is the worst experience I've ever had with banking. Each member has their own member number, even on a joint account. With 121, my husband was the primary on the account and all information was transferred to his member number and I had no access. I pay all the bills, do all the banking, as he does not have an email address, nor does he want one. Vystar did not even recognize me as being on the account. The IT Department has screwed this whole thing up. I went on their online banking app and it says I've accessed it too many times! I will be closing this account! I'm signing my name below so they will know who I am.