About Us

1. About Us • Headquartered in Jacksonville, FL • Established in 1952 • Asset Size = $4.7 Billion • Serving 430,000+ Members • 34 Branches; which includes 4 High School Branches • 167 ATMs with Image Deposit Module (IDM) and Bulk Note Acceptors (BNA) • Approximately 1150+ employees

2. About Me • Employed with VyStar since 1991 • Worked in the following areas: • Call Center • Branches • Electronic Payments & Services • Currently a Business Analyst for the department • Overall Banking experience = 30+ years

3. What do we do @ VyStar? • We process Inclearing, ACH and IAT’s • We offer Bill Payer via IB utilizing an Intuit/FiServ product • We offer ACH Origination to Companies • Recently we began printing our IRDs in house from the FED

4. Operations Information • Managed by a staff of in Electronic Pmt & Card Services of • 1 Manager • 1 Coordinator • 2 Checking Specialist • 3 Electronic Pmt Specialist • We are InterACT clients

5. Process Overview Marker is used for items that are exceptions from the TWD002 posting. In March we processed 25,000+ returns Credits and debits – over $6.5 Million Inclearing return file created at night, after nightlies (challenges with returns)

6. Risk & Loss Mitigation • For 2013 we set up a process to monitor IRS ACH credits to lessen tax fraud • Allowing us to return ACH credits if an account receives multiple credits to the same account or credits for a name other than on the account.

7. Process changes being considered • Not sending NSF notices; cost savings on postage. • How we would implement this change and notify members? • Email • USPS

8. Enhancements to Consider • To allow this user to pull warehouse items up using the sequence number. • Marker to present items in the same order at the TWD002 exceptions

9. Contact Information Trisha Hunt huntt@vystarcu.org 904 908 2944