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Listerhill Credit Union is a nonprofit financial cooperative improving lives in our community.

If you live in Alabama, Georgia, Mississippi, Florida, or Tennessee, you are eligible to become a member. Depending on your individual eligibility, we may require membership into an approved association at no cost to you.

You can also qualify for membership by being a family member of a current or potential Listerhill member.

With only $5, you can join Listerhill today and start taking advantage of a lifetime membership.

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UNA Keystone Debit Card FAQs

Get all the questions you probably have about the Keystone Debit Card answered here!

Editorial Note: Articles published are intended to provide general information and educational content related to personal finance, banking, and credit union services. While we strive to ensure the accuracy and reliability of the information presented, it should not be considered as financial advice and may be revised as needed.

Listerhill Credit Union’s Keystone Debit Card is the perfect accompaniment to any UNA college student’s wallet (and not just students — alumni and community members, too!).

Continue reading to learn more about this unique university debit card that gives back, whether you’re a young adult learning to spend and save responsibly, or a veteran shopper and saver.

What’s the difference between a UNA Keystone Debit Card and a credit card?

Unlike a credit card, a debit card automatically withdraws funds from your checking account. Use it like a credit card anywhere Visa is accepted.

What are some features of a Listerhill checking account?

Listerhill offers two types of checking accounts, Everyday Checking and Growth Checking.

Everyday Checking

  • No minimum balance or monthly service charge

  • 3 annual overdraft refunds

  • FREE Visa debit card

Growth Checking

  • No transaction limits

  • One account allows you to spend and save, earning higher returns than traditional checking accounts

  • No service charge for balances over $1,000

  • Unlimited check writing

  • FREE Visa debit card

How do chip cards work?

A chip card features an embedded microchip as well as a magnetic strip. This is a security feature that encrypts your information at chip-enabled ATMs and point-of-sale terminals.

How do I order a debit card?

You have several options to order a debit ATM card.

Order online

Whether ordering a new card or requesting a replacement, join or log in to order your card through online banking.

Order in-person

Stop by The Hill, our full-service branch designed specifically for college students, located in The Commons on the UNA campus.

Not only can you order a card, but you can also open a bank account, withdraw cash, make a deposit, or speak with member services. Other services and amenities at our campus location include:

  • Deposit-accepting ATM

  • Instant debit card issue

  • Charging bar

  • Member lending

You can also stop by any of our branch locations throughout south central Tennessee and northwest Alabama.

How do I activate my debit card?

You can activate your card online or through our mobile app.

Or, you can simply swipe your card and use your PIN on your first purchase to automatically activate.

Where does the money donated to UNA go/what does it support?

With each UNA Keystone Debit Card transaction we donate a portion of the purchase back to the University of North Alabama’s alumni, athletics, and advancement programs.

I’m not a student. Does this card work on- and off-campus?

Yes, you can use your UNA Keystone debit card on- and off-campus.

How quickly can I get my debit card?

Immediately when visiting one of our branch locations! We offer instant-issue debit cards at every location. This is great for current members who wish to trade-in their classic Listerhill debit card for the new UNA Keystone Debit Card.

If you open a new checking account online, please allow 4-6 business days for your card to arrive by mail.

You can also access a temporary card on your mobile device through Apple Pay and Google Pay on your digital wallet by using our mobile app.

Can I set up alerts?

Get important account information sent to you through our Notify Me text or email alerts. Alerts can include letting you know when a check clears, if you have a low account balance, and more.

What do I do if my card is lost or stolen?

If you have lost your card or suspect that it has been stolen, please call us at 1-888-918-7819.

Do I need to be a Listerhill member to get a UNA Keystone Debit Card?

You must be a member of Listerhill Credit Union to take advantage of our products and services.

There are many benefits to joining a credit union, since, unlike large for-profit financial institutions, credit unions are nonprofit, member-owned, and based in the community.

Listerhill membership benefits include:

  • Financial wellness education and financial planning

  • Competitive interest rates on loans and dividends on savings accounts

  • Personalized member service

Who is eligible to become a Listerhill member?

Listerhill membership is open to anyone who lives, works, or goes to school in a county that Listerhill Credit Union serves, you work for a member company, or are related to someone who does. Find out more about joining Listerhill Credit Union.

Don't Have The Card Yet? Get It Here.

Have more questions? Contact Us.

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Frequently Asked Questions

  • How can I avoid overdraft fees?

    All Listerhill checking accounts are eligible for 3 Overdraft or NSF Fee refunds per year. To request a refund, visit a Listerhill branch or call 1-800-239-6033.

    Additionally, we provide our members with overdraf services like:

    • Standard Overdraft Coverage

    • Debit Card Overdraft Coverage

    • Overdraft Protection

  • How can I start using mobile banking?

    To Get Started with our Mobile Banking app:

  • Do I have to pay any monthly service fees for having a checking account at Listerhill?

    Our Everyday Checking account comes with no minimum balances and no monthly service fees, so if you choose this account, you won’t have to pay any monthly fees, no matter what your daily balances are.

    If you’re interested in Growth Checking, you’ll have to pay a $10 monthly fee is your average balance is below $1,000. You can easily waive the account fee by keeping $1,000 or more in your account. That way, you can earn interest on your deposits without paying any monthly maintenance fees. It’s a win-win!

  • Why should I open a Growth Checking account?

    Growth Checking is the perfect account for those who want to see their money grow faster. This account offers high returns on your deposits for a small monthly service fee. You can waive the monthly fee by keeping $1,000 or more in your account. What’s even better is that the more you keep in your account, the higher the interest rate you’ll earn, so it makes sense to keep higher balances in your Growth Checking!

    If you want to put your money to work for you, open a Growth Checking account. Simply click here to start your online application as a new member or log into online or mobile banking to open your checking account if you’re already an established member. It normally takes 10 minutes or less to complete!

  • What is everyday checking?

    Everyday Checking is our free checking account. This account is convenient and simple with benefits like no minimum balances and no monthly service charges.

    If you're seeking a hassle-free checking experience coupled with top-rated online and mobile banking services, as well as options for overdraft protection and customizable account alerts, Everyday Checking is the ideal choice for you.

    Plus, our online application makes getting your new checking account easier than ever. Simply click here to start your online application as a new member or log into online or mobile banking to open your checking account if you’re already an established member. It normally takes 10 minutes or less to complete!