Report an Issue Safeguarding Your Information Comes First

Protecting your personal information is our top priority.

At 121 Financial, we monitor our internal and external systems around the clock—24 hours a day, 7 days a week.

We take a proactive approach and stop a security threat before it impacts you. Our Fraud Prevention department often detects fraudulent transactions before the activity can even be seen in your account.

If we notice suspicious behavior on any of your accounts, we immediately alert you and work to resolve the situation.

Call Our Contact Center

Main Numbers
800.342.2352 (after hours)

Live Phone Assistance by 121 Financial Team Members
Monday – Friday: 8 a.m. to 6 p.m.
Saturday: 9 a.m. to 1 p.m.

Merchant Verification

Our Address

Mailing Address
PO Box 40769
Jacksonville, FL 32203

Debit Card Contact

Activation or Change Pin: 1.800.992.3808
Customer Service: 1.866.331.6223 

Report Lost/Stolen Card or Dispute a Charge: 1.844.436.1736
Check an Existing Dispute: 1.844.202.5070

Credit Card Contact

Customer Service/Activation/PIN Change: 800-249-7021

VISA Credit Card Payment Address
121 Financial Credit Union
P.O. Box 2711
Omaha, NB 68103-2711


We will NEVER reach out to you by email, phone call, or text message to request that you verify any of your sensitive information. Even if the number looks genuine, this is often a sign of a “spoofed” call or a phone scam. If you receive a call like this, immediately hang up the phone and call our Contact Center at 904-723-6300.

If you believe you are the victim of fraud, please reach out to us via our Contact Center at 904-723-6300. or by calling 1-877-253-8964.

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A Division of VyStar Credit Union

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