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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.

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6 Ways You Can Reduce Your Risk of Card Fraud This Holiday Season

There are many precautions you can take to lower the risk of fraud on your cards. Keep reading to learn more.

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.

The unfortunate truth is that card fraud happens every day. With it being around the holidays when there's an influx of shopping with your cards, there's even more risk for card fraud to happen. You may feel helpless in these situations, however there are many precautions you can take to protect yourself against it. That's why we're sharing six tips on how to reduce your risk of card fraud.

1. Keep your credit cards safe.

Store your cards in a secure wallet or purse. After making a purchase, immediately return your card to that place.

2. Don’t allow websites to “remember” your card number.

Only let secure payment portals, like GooglePay and PayPal, remember your card number. An even better practice is to never check the “remember card number” box for any site or portal.

3. Be wary when shopping online.

Before using your credit card online, verify the site’s security and that the URL is authentic — there’s an “s” after the “http” in the web address, and a lock icon as well.

4. Report lost or stolen cards immediately.

The sooner you report a missing card, the less liability you’ll have for fraudulent charges made with your card. You can do so with your Listerhill cards using the LCU Cards App.

5. Review your monthly bill.

Always look through your monthly statement to check for suspicious account activity that could've fallen under your radar. Not only will this alert you to any current fraud happening, but will help you proactively stop criminals from continuing to use your card unnoticed and prevent future fraud from occurring.

6. Set transaction notifications

Some apps from financial institutions will allow you to opt for text notifications when your card is used for a purchase. This feature is available on the LCU Cards App. This can ensure that no transaction from your card goes unnoticed.

With the LCU Cards App, you can track the activity of all your Listerhill debit and credit cards. You can also quickly check your credit card balance, make a credit card payment, dispute charges on your credit or debit cards and report cards as lost or stolen. Click here to learn more.

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  • 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

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  • 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!