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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.

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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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Frequently Asked Questions

  • What happens when federally insured credit unions merge?

    If a member has accounts in credit union A and credit union B, and credit union A merges into credit union B, accounts of credit union A continue to be insured separately from the share deposits of credit union B for six months after the date of the merger or, in the case of a share certificate, the earliest maturity date after the six-month period. In the case of a share certificate that matures within the six-month grace period that is renewed at the same dollar amount, either with or without accrued dividends having been added to the principal amount, and for the same term as the original share certificate, the separate insurance applies to the renewed share certificate until the first maturity date after the six-month period. A share certificate that matures within the six-month grace period that is renewed on any other basis, or that is not renewed, is separately insured only until the end of the six-month grace period.

  • What happens if a federally insured credit union is liquidated?

    The NCUA would either transfer the insured member's account to another federally insured credit union or give the federally insured member a check equal to their insured account balance. This includes the principal and posted dividends through the date of the credit union's liquidation, up to the insurance limit.

  • If a credit union is liquidated, what is the timeframe for payout of the funds that are insured if the credit union cannot be acquired by another credit union?

    Federal law requires the NCUA to make payments of insured accounts "as soon as possible" upon the failure of a federally insured credit union. While every credit union failure is unique, there are standard policies and procedures that the NCUA follows in making share insurance payments. Historically, insured funds are available to members within just a few days after the closure of an insured credit union.

  • What happens to members with uninsured shares?

    Members who have uninsured shares may recover a portion of their uninsured shares, but there is no guarantee that they will recover any more than the insured amount. The amount of uninsured shares they may receive, if any, is based on the recovery of the failed credit union's assets. Depending on the quality and value of these assets, it may take several years to conclude recovery on all the assets. As recoveries are made, uninsured account holders may receive periodic payments on their uninsured shares claim.

  • What happens to my direct deposits if a federally insured credit union is liquidated?

    If a liquidated credit union is acquired by another federally insured credit union, all direct deposits, including Social Security checks or paychecks delivered electronically, will be automatically deposited into your account at the assuming credit union. If the NCUA cannot find an acquirer for the liquidated credit union, the NCUA will advise members to make new arrangements.