A Guide to Opening Your First Credit Card
As a young adult you might be wondering how to apply for and get a credit card.
Please login to Online Banking to apply. If you do not have Online Banking, please click here to apply.
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.
If you are already signed up for Online Banking but have not added your credit card, log in to your account and click the Services & Settings link (gear symbol) at the top right of the page. Then, under Online Accounts, click Add Account, fill in your card number, add a nickname, and then select Credit Card under Account Type. Then hit Add Account(s).
It should take no longer than one (1) business day for your new card to appear in Online Banking.
(Don't have Online Banking? Go here to sign up.)
Once your card appears in Online Banking in the All Accounts / Money I Owe section, click on the account and then click Get Info from the menu. This will take you to the Account Home for your credit card. Here, you can sign up for eStatements, make a payment on your credit card, or view your transactions. To set transaction alerts, enable travel notifications, or report a lost or stolen card, please use our new cards app. Please go here for more information.
From Account Home, click the Rewards link on the right to review your Cash Rewards info. Then click on the cashbackmall link to go directly to the site where you can choose how you wish to redeem your Cash Rewards (deposit to your Listerhill account or apply to your statement).
You can begin redeeming your Cash Rewards as soon as you have a balance over $5 available in your Rewards account! You have the option to apply the balance as a statement credit or have the amount deposited into your Listerhill Share Savings Account.
The easiest way to redeem your Cash Back Rewards is to log into Listerhill’s Online Banking and click the “Get Info” link to the right of your credit card information. This will take you to our credit card servicing site within the same window.
Please call us at 800-239-6033 to speak with one of our representatives.
Cash Back Rewards are not transferrable. Cash Back Rewards may be redeemed and transferred between accounts through Online Banking as rules apply.
Cash Back Rewards are calculated at 2% on purchases. Cash Advances and Balance Transfers do not earn Cash Back Rewards.
Cash Back Rewards are available for Listerhill Signature Credit Cards. Signature credit cards require a limit of $5,000 or greater.
Cashbackmall will be available for redemption on 9/1/22 for cards converting to cash back rewards from merchandise points.
How To Report Fraud
If you suspect you are the victim of fraud, immediately contact Listerhill at 256-383-9204 or 800-239-6033 or email us at support@listerhill.com.
How To Report A Lost Or Stolen Credit Card
Immediately call 1-888-918-7819.
Listerhill has consistently been rated in the top tier for overall satisfaction by our members. While we hope you find the information you need online, we'd be happy to talk with you about questions you may have. Call us at (256) 383-9204 or 1-800-239-6033 for friendly, local assistance. Or even stop by one of our branches for personal service.
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.
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.
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.
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.
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.