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UNA Keystone Debit Card FAQs

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

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 am I eligible for membership at Listerhill if I don't live near a branch?

    You can become eligible for membership at Listerhill anywhere in Alabama if you join the Alabama Consumer Council or the Athens State Alumni Association. In Tennessee, you can also become eligible for membership if you join the Athens State Alumni Association. This membership is initiated at no cost to you and doesn't require any setup on your part outside of the normal application process to become a member of Listerhill.

  • How can I access my Listerhill accounts without a nearby branch?

    If you live in Alabama or in Tennessee but don't have a Listerhill branch location nearby, there are still plenty of ways to access your accounts. You can use our online banking, mobile banking app, and cards app to access your accounts from your devices. You can also take advantage of our CO-OP Shared Branches for easy access to your money wherever you are. If you need to get in touch, we're always one call away.

  • Can I open a Listerhill account online?

    You can open your Listerhill account, loan, or credit card from the comfort of your home with our easy online application. Or, if you want to apply for a mortgage, you can learn more about our offerings and start your application here.

  • Am I eligible for membership at Listerhill?

    If you live, work, attend school, or own property anywhere in Alabama or Tennessee, you're in luck! You're eligible to become a Listerhill member.

  • The Great Giveback Official Rules

    1. Eligibility: No purchase or obligation necessary to participate and win. All participants must be 19 years of age or older at time of contest participation. Employees of Listerhill Credit Union are not eligible to register for the contest.

    2. How To Enter the Contest: All Listerhill members who have consumer loans in good standing, (subject to limitations below) are automatically entered. Anyone who takes out a new loan with Listerhill Credit Union, or refinances a loan from another lender with Listerhill Credit Union (subject to limitations below) will automatically be entered to win. Limit of one entry per loan.

    NO PURCHASE NECESSARY: To enter the contest without a loan, send a self-addressed, stamped envelope to: Listerhill Credit Union, P.O. Box 566, Sheffield, AL 35660, Attn: Great Giveback Contest Entry. Limit one entry per person. Written entries must be received no later than July 3, 2021.

    Listerhill Credit Union will not be responsible for incomplete, lost, late, misdirected or illegible entries or for failure to receive entries. All entries become property of Listerhill Credit Union and none will be returned. Any questions regarding the number of entries submitted shall be determined by Listerhill Credit Union in its sole discretion, and Listerhill Credit Union reserves the right to disqualify any entries by persons determined to be tampering with, violating, or abusing any aspect of the contest.

    3. Contest Entry Requirements: In the event the Credit Union, in its sole discretion, determines that any Entry contains content that does not comply with these Official Rules or does not otherwise comply with regulatory guidelines, Credit Union reserves the right to disqualify the entry.

    4. Determining the Winner: A Credit Union employee will select at random four (4) $500 winners (one per day July 12-15) and one Grand Prize Winner from all entries received on July 16, 2021. You do not have to be present to win.

    5. Prizes: $500 Cash Prize: the Credit Union will award four (4) members with $500 cash each. Grand Prize: The Credit Union will pay up to $25,000 toward your loan with Listerhill Credit Union, or combination of loans. No loan payments will be made to loans with any other lender. No cash equivalent provided, and the total prize amount may be less depending on the outstanding amount of loan balance(s) with Listerhill Credit Union. In no event will the prize awarded exceed the total amount of the winner’s outstanding balance of qualifying loans with Listerhill Credit Union. Federal, state and local taxes are the sole responsibility of the winner. IRS regulations require the Credit Union file a 1099 on behalf of the winner.

    A Credit Union employee will call the prize winners and the prize winners will be called up to five times during regular business hours at number provided on entry form and will leave no messages. Failure to reach winner during these calls may result in disqualification of winner, forfeiture of his or her interest in all prizes, and selection of a substitute winner drawn from the drum. Winner will be required to schedule a time, at least 48 hours in advance, to visit Listerhill Credit Union, located at 4790 2nd Street, Muscle Shoals AL, 35661 in person, during regular business hours within seven (7) days of being notified to claim prizes by providing proof of eligibility for prize won and completing and signing an affidavit of eligibility and a liability and publicity release. Failure of any Winner to timely contact the Credit Union, visit the above Credit Union office in person and sign and return any required affidavit and release, or to claim a prize or comply with any term or condition of these Official Rules, will result in drawing Winner's disqualification and the forfeiture of his or her interest in the prize. Winners may waive their right to receive prizes. Prizes are non-assignable and nontransferable. No substitutions allowed by winner.

    6. To be eligible to win, all loans must be in good standing (not more than 30 days past due at the time of drawing. Eligible loans are limited to auto loans (no indirect dealer loans), personal loans (no loans secured by real property, such as mortgages, 2nd mortgages, and Home Equity Lines of Credit) and recreation loans made to consumer borrowers (not business or commercial loans).

    6. Participation. By participating, entrants agree to be bound by these Official Rules and the decisions of the Contest. Except where prohibited, acceptance of any prize constitutes winner's consent to the publication of his or her name, biographical information and likeness in any media for any commercial or promotional purpose, without limitation the Internet, or further compensation. Prizes not won and claimed by eligible winners in accordance with these Official Rules will not be awarded and will remain the property of the Credit Union.