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How to Use Your Credit Card Wisely [Guide]

We all know what a credit card is, and most of us know how to use it. But how many know how to use it wisely?

Getting a credit card and using it regularly (and responsibly) is one of the fastest and most effective ways to build or rebuild your credit. Read below for some good practices and a few mistakes to avoid.

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What You Should Know About Listerhill's New Associational Membership Option

We’ve got some exciting news! Listerhill is currently working with the Alabama Consumer Council (a chapter of the American Consumer Council) and Athens Alumni Association to establish a new associational membership option. This move allows for residents of other qualifying states (see the list here) to join Listerhill!

Read on to learn the basics of this new membership option.

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Three Steps for Tracking Your Expenses in 2022

Tracking your spending is the first step toward greater financial awareness and, ultimately, toward financial health. However, mastering this skill is easier said than done. How can you track every dollar you spend when you make multiple purchases each day?

We’ve outlined how to track your spending in 3 easy steps.

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How Do Personal Loans Work?

A personal loan is a straightforward and user-friendly financial product. After a quick application process, funds will be transferred to your checking account for you to use however you need. A simple payment plan makes budgeting easy, too.

Once you get to grips with a few keywords and phrases, you'll be well on your way to answering the question, how do personal loans work? Read on to find out more.

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

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.

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How To Fix Your Listerhill Mobile Banking App

We're aware that some Apple users are getting the following error message while attempting to access their mobile app:

"Loading Failed. The operation could not be completed."

This is due to a recent IOS system update and our developers are currently working on a permanent solution. If this error message is coming up for you, you can access your mobile app by following the steps laid out in our blog.

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Credit Card or Personal Loan: Which Should You Choose?

Personal financing can help you feel more confident and secure as you navigate through life. Whether you need to cover an unforeseen expense or want to treat yourself to a little luxury, a credit card or personal loan is just the ticket.

But how do you know if a credit card or personal loan is right for you? They both have different strengths so it comes down to personal choice. Read on to find out your best match.

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Woman Using Credit Card on Computer
Personal Loans vs. Payday Loans: Which One is Better?

Life is expensive and you're not alone if you find yourself in need of extra funds from time to time. The question is, what's the best way to get some fast cash?

You probably see ads for payday loans around your neighborhood and online, but high interest rates and extra fees may lead you to owe much more than you borrowed. A personal loan could be a better option because you'll know exactly what you owe over a set period.

Payday loans vs. personal loans? How should you decide what’s best for you? Read on to find out.

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Couple Discussing Loan with Professional
What You Should Expect for 2021 Holiday Shopping

The holidays are coming and it’s time to hit the shops! Retailers and consumers around the nation are anticipating a holiday season that’s a lot closer to pre-pandemic days than last year’s festivities. Unfortunately, though, suppliers are cautioning consumers to expect supply shortages, shipping delays and higher price tags than ever.

With that in mind, here’s a look at what you might expect to see this holiday shopping season.

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Holiday Gift Bags
All You Need to Know About Multifactor Authentication

In our digital world, passwords are as much a part of our lives as Netflix and Amazon. Keeping information stored in dozens of accounts across the web can make it easier to stay on top of your finances, order a new pair of jeans or even schedule a dentist appointment. Unfortunately, though, passwords can be relatively easy for scammers to hack, opening the door for identity theft, credit card fraud and more.

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Frequently Asked Questions

  • How do I connect my additional Listerhill account(s) in Online Banking?

    In order to add an additional Listerhill account in Online Banking, please:

    1. Log in to Online Banking through our website.
    2. Click the Accounts tab at the top.
    3. Click “Connect An Account”
    4. To add a Listerhill Account, click “Listerhill Credit Union Account”.
    5. Enter the appropriate information on this screen and select the appropriate account type.
      1. Account Number.
      2. Nickname the Account.
      3. Select the Account Type.
        1. Share Draft – Checking
        2. Share – Savings
        3. Share Certificate – CD
        4. IRA
        5. Line of Credit
        6. Loan
        7. Credit Card
      4. Check the box for Bill Pay if desired.

    Once finished, the new account will be added by the next business day.

  • How do I connect my credit card(s) in Online Banking?

    In order to add a new credit card in Online Banking, please:

    1. Log in to Online Banking through our website.
    2. Click the Accounts tab at the top.
    3. Click “Connect An Account”
    4. To add a credit card, click “Listerhill Credit Union Account”.
    5. Enter the appropriate information on the screen and select the appropriate account type.
      1. Account Number.
      2. Nickname the Account.
      3. Select the Account Type.
        1. Share Draft – Checking
        2. Share – Savings
        3. Share Certificate – CD
        4. IRA
        5. Line of Credit
        6. Loan
        7. Credit Card
      4. Check the Box for Bill Pay if desired.

    Once finished, the new card will be added by the next business day.

  • What if I had merchandise points?

    Cashbackmall will be available for redemption on 9/1/22 for cards converting to cash back rewards from merchandise points.

  • Who is eligible for Cash Back Rewards?

    Cash Back Rewards are available for Listerhill Signature Credit Cards. Signature credit cards require a limit of $5,000 or greater.

  • How much do I get back in Cash Rewards?

    Cash Back Rewards are calculated at 2% on purchases. Cash Advances and Balance Transfers do not earn Cash Back Rewards.