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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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Common Checking Account Fees You Can Avoid

Common Checking Account Fees You Can Avoid

From surprise ATM surcharges to monthly maintenance fees, there can be a variety of fees associated with checking accounts, especially those affiliated with big banks. But, by becoming familiar with some of the different types of potential fees, you can minimize the number you’ll have to pay—or maybe even avoid them altogether.

Overdraft or NSF (Non-Sufficient Funds) Fees

A common fee you will see imposed at most financial institutions for almost all types of checking and savings accounts is an overdraft or NSF fee. An overdraft happens when you have a charge for an amount higher than your available account balance. If you write a check or make a debit card purchase but don’t have enough money to fund the full transaction, your bank or credit union usually has overdraft services that can help cover the difference.

With Listerhill’s Online Banking, you can set account alerts so you get a text or email when your account drops below a certain balance. Since overdraft fees are charged per transaction, this feature can help keep your account from going in the red.

Related: How Much Money Should I Keep In My Checking Account?

Monthly Service Fees

Another common fee you may see is a monthly service fee. Many big banks charge monthly fees on their checking and savings accounts just to use them! Also, if you don’t meet certain requirements, like maintaining a minimum balance or getting paid by direct deposit, you can also incur monthly fees.

However, Listerhill is different from many other financial institutions in that we provide products and services to our members that help them avoid unnecessary fees.

With our Everyday Checking account, we don’t require a minimum balance, nor do we charge a monthly service fee. However, there is a small $5 Maintenance Fee to help cover the cost of servicing member accounts. That said, there are many ways to avoid this fee, such as having a Listerhill credit card or a current Listerhill loan, for example.

ATM Fees

Other common fees you may come across are ATM fees. These fees are typically charged for using a machine not affiliated with your bank. In some cases, larger-scale banks may even charge you a double fee—one from them and one from the ATM operator. These charges can ramp up to as high as $6 per transaction for withdrawing cash from certain ATM machines!

We don’t believe our members should pay fees to have access to their money on the go, that’s why we offer our Listerhill Smart ATMs at our branches across north Alabama and south central Tennessee. .

Our Smart ATMs are unlike the typical ATMs you may find at other banks or at your local convenience store. Listerhill’s Smart ATMs are available 24/7 for making deposits, getting exact cash, making loan or credit card payments, and checking your account balance. You can even speak with a real, live, local, and experienced Smart Teller during regular business hours, and they can even do the entire transaction for you through the Smart ATM.

Excess Transaction Fees

At Listerhill, we offer our members an account where they can earn interest and have easy access to their money. Our Growth Checking account gives you unlimited access to your funds—while still earning interest—so you can save and spend out of one account without being charged every time you make a transaction.

Related: How Many Bank Accounts Should You Have?

Join Listerhill Today!

If you’ve paid even just one of the fees mentioned above, it’s one too many. Did you know Listerhill members save an average of $499* a year? Open a checking account today and make the switch!

Related: Benefits Of A Credit Union Checking Account

As a Listerhill member, we offer you easy access to a variety of flexible financial products, lower fees, better interest rates, and superior member service. To learn more, click below.

Checking Accounts

*Qualification as necessary, see for details.

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Frequently Asked Questions

  • What are some factors to consider when choosing a rewards credit card?

    Determine whether you prefer cash back, travel points, or other reward types. Then, explore how and when reward points accumulate, if there are spending caps, and how easy it is to redeem your rewards. Financial institutions like credit unions tend to offer great rewards credit cards.

  • How can I compare credit card offers before making a decision?

    Carefully review rewards programs, like cash back or travel miles, when comparing credit cards. Also, consider the rewards rate, interest rates, annual fees, and any additional benefits the card includes.

  • What are the benefits of choosing a credit union's credit card compared to others?

    Our credit cards reward you for making purchases. They feature competitive interest rates and fewer fees than traditional banks. Members benefit from personalized customer service. We work closely with you to understand your financial situation and needs.

  • What if I prefer to make my payments through a pre-authorized automatic payment arrangement (ACH)?

    Please contact TruHome at 844-203-3642 to set up automatic payments or visit here to set them up yourself.

  • What if I prefer to make my payments through the Listerhill Mobile Banking app or Online Banking?

    Unfortunately, when the transfer occurs, mortgages will not be displayed on our app or in online banking, but we are working to bring that functionality ASAP.

    In the meantime, please visit here to view all mortgage information and payment options.