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Not a member yet?

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.

Listerhill is Open For Business...Lending

As a credit union, we do things a little differently. As a member, you reap the benefits. Joining our family gives you more than better rates and lower fees. It offers a sense of belonging because you'll have membership in a co-op dedicated to giving back to the communities we serve. And by making your business stronger, you'll be better able to serve your neighbors as well.

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Meet the Team
Jeremy Walton, AVP Commercial Lending

P: 256.314.6587 | E: jwalton@listerhill.com

Fred Lindsey, VP Commercial Lending

E: flindsey@listerhill.com

Paula Williams, Commercial Operations Manager

E: pwilliams@listerhill.com

Dewayne Eckl, AVP Commercial Lending

P: 256-314-6527 | E: deckl@listerhill.com

F: 256-809-1987

From One Oven to Many: Expanding with Listerhill Business Lending

Jeremy Walton got together with the owners of The Pie Factory in Florence, Alabama to chat about how Listerhill was able to help them accommodate the needs of their growing business and focus on what they do best.

Financing the Framework: Building Strong Foundations Together

Jeremy Walton met with the owners of Burchell Properties, LLC in Columbia, Tennessee to talk about what Listerhill has meant to their family business.

Keys to Success: Unlocking Real Estate Growth with Listerhill

Dewayne Eckl spoke with CEO of Noble Investments, Mack Cornwell, about his experiences as a business owner and about how Listerhill has been a strong lending partner of RiverCo Real Estate located in Florence, Alabama.

Building the Backbone: Listerhill Helps Lay a New Foundation

Dewayne Eckl spoke with Frank Hernandez, Jr., President of Hernandez Universal Construction (formerly Hernandez Concrete Finishing, Inc.), about his experience as a business owner and how Listerhill was able to help their venture develop and become a competitor in the construction industry.

A helping hand is part of every business plan

Because even when you run your own company, you still need a partner.

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ALREADY STARTED YOUR APPLICATION PROCESS?
Upload your application documents easily.

At Listerhill, we understand that time is money. That's why we provide a simple, quick and easy way to upload the documents needed to keep your application moving.

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We're in the business of helping you stay focused on yours.

Since 1952, business owners have turned to us as their trusted financial partner. There's a simple reason why. It's because we listen and learn before customizing our comprehensive financial solutions to help them reach their goals. That way, they can stay focused on running their business, with us at their side to help it run smoothly and grow. From purchasing property and equipment, to securing an operating line and utilizing merchant services, Listerhill is here to lend a hand - not just money.

We're here for you when you need us.

From nearly 20 branches in the area and our participation in a network of credit unions across the country, Listerhill members are never far from their money. We offer a 24-hour automated telephone service that lets you check balances, transfer funds, make loan payments, and more. We also have Smart ATMs, so you can make a deposit, get exact change, or make loan payments - all 24 hours a day.

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Account Access
Smart ATMs
Ready when you are.

At Listerhill, we believe your financial life should work around your schedule, not ours. That's why we’ve introduced our Smart ATMs, so you can make a deposit, get exact change or make loan payments — all 24 hours a day.

Online Banking
Your money at your fingertips.

Online Banking gives you access to manage your accounts at any time from your computer. View detailed account history, access eStatements, transfer funds, pay bills or other people and even budget your accounts from any financial institution.

Mobile Banking
We've got you covered.

Most of us live day-to-day with our phone in our hands. There is no reason your money shouldn't be right there with you. Whether you want to make a deposit, pay bills, transfer funds, or even purchase a cup of coffee, we've got you covered!

At Listerhill...

Be part of something bigger than a bank. Be part of your community.

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The 7 Stages of Starting and Running a Business

  • Seed Stage

    The seed stage is when your business is just a thought or an idea. Most businesses will have to overcome the challenge of market acceptance and you must focus on matching business opportunity with your skills, experience, and passions.

  • Start-Up Stage

    Your business now exists in legal terms! Products or services are in production and you have your first customers. The main challenge is not to burn through your funds. Learn what profitable needs your clients have and do a reality check to see if your business is on the right track at this stage. Most start-ups require establishing a customer base and market presence while conserving cash flow.

  • Growth Stage

    Revenues and customers are increasing with many new opportunities and issues. Profits are strong, but the competition is surfacing. Learning to manage a consistent range of issues at this stage is crucial. Focus on running your business in a more formal fashion to deal with increased sales and customers. Improve management systems and hire new employees to deal with the influx of business.

  • Established Stage

    Your business has now matured into a thriving company with a place in the market and loyal customers! Sales growth is not explosive but manageable and business life has become routine. It's important to stay focused on the bigger picture by improving productivity to stay competitive and retain customers. To compete in an established market, you'll need automation and outsourcing to improve productivity.

  • Expansion Stage

    Your company is growing into new markets and distribution channels. This stage is often the time to choose to gain a larger market share and find new revenue and profit channels, if desired. After planning and researching, add new products or services to existing markets or expand your business into new markets.

  • Decline Stage

    Changes in the economy, society, or market conditions can decrease sales and profits quickly leading to struggle. Businesses in decline will be challenged by dropping sales, profits, and negative cash flow. The biggest issue is how long your business can support negative cash flow in this stage. Consider if it may be time to move on by seeking out new opportunities and business ventures while cutting costs and finding ways to sustain cash flow.

  • Exit Stage

    It's a big opportunity for your business to cash out on all the effort and years of hard work you've put in. Selling a business requires a realistic valuation. If you decide to close your doors, the challenge is to deal with the financial and psychological aspects of a business loss. Get a proper valuation of your company. Look at your business operations, management, and competitive barriers to make the company worth more to a buyer and setup legal buy-sell agreements along with a business transition plan.

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*Information sourced from "The 7 Stages of Starting and Running a Business" by Darrell Zahorsky, The Balance Small Business (October 28, 2019). Click here to read full article.

Business Account Types & Needed Documentation

  • Sole Proprietorship

    Employer Identification Number (EIN) documentation, if applicable.

  • Corporation
    • Corporate Bylaws, Articles of Incorporation, or Certification of Formation with Bylaws (all officers must be listed).
    • Employer Identification Number (EIN) documentation.
  • Partnership
    • Partnership Agreement or Certificate of Formation (all officers must be listed).
    • Employer Identification Number (EIN) documentation.
  • Limited Liability Company
    • Articles of Organization or Certificate of Formation with Operation Agreement (members of the LLC must be listed).
    • Employer Identification Number (EIN) documentation.
  • Unincorporated Association, Organization or Club
    • Board Meeting Minutes or Letter authorizing account and signed by authorized representative.
    • Employer Identification Number (EIN) documentation, if applicable.
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For each account type, provide for identification all signers and information for beneficial owners.

Interested in Applying for a Business Loan or Credit Card?

Here's your application checklist.*

  • Business Application
  • Personal Financial Statement
  • Personal Federal Tax Returns with all attached schedules and W2's (last two years)
  • Business Tax Returns with all attached schedules (last two years)
  • Interim Profit & Loss and Balance Sheet
  • Rent Roll to include property taxes, insurance, mortgage payment and loan balance, if applicable.
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*Other documentation may be required to complete the application process.

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Merchant Services

If you accept card payments, you'll want to check out another great benefit of ours called BancCard. It guarantees you $200 if BancCard can't match or beat your current system's price. Now that's good business.

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Business Share Savings

This account establishes your membership and makes you eligible for all our other services. It's your share of ownership in the credit union and features a low $5 minimum balance, quarterly dividends, no service charges and more.

How to File an Extension for Business Taxes in 5 Steps

Read
When and Why to Take on Business Debt

Taking on debt can be an inevitable step for many businesses. A loan or a line of credit can provide a struggling business with the cash it needs to expand or fund a new venture. As with every financi...

Read
The Ultimate Guide to Applying for a Business Loan

Does your business need an infusion of cash to help it grow? A business loan can provide you with the resources your business needs and offer an affordable payback plan.

Read
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Common Links

Frequently Asked Questions

  • How can I avoid overdraft fees?

    All Listerhill checking accounts are eligible for 3 Overdraft or NSF Fee refunds per year. To request a refund, visit a Listerhill branch or call 1-800-239-6033.

    Additionally, we provide our members with overdraf services like:

    • Standard Overdraft Coverage

    • Debit Card Overdraft Coverage

    • Overdraft Protection

  • How can I start using mobile banking?

    To Get Started with our Mobile Banking app:

  • Do I have to pay any monthly service fees for having a checking account at Listerhill?

    Our Everyday Checking account comes with no minimum balances and no monthly service fees, so if you choose this account, you won’t have to pay any monthly fees, no matter what your daily balances are.

    If you’re interested in Growth Checking, you’ll have to pay a $10 monthly fee is your average balance is below $1,000. You can easily waive the account fee by keeping $1,000 or more in your account. That way, you can earn interest on your deposits without paying any monthly maintenance fees. It’s a win-win!

  • Why should I open a Growth Checking account?

    Growth Checking is the perfect account for those who want to see their money grow faster. This account offers high returns on your deposits for a small monthly service fee. You can waive the monthly fee by keeping $1,000 or more in your account. What’s even better is that the more you keep in your account, the higher the interest rate you’ll earn, so it makes sense to keep higher balances in your Growth Checking!

    If you want to put your money to work for you, open a Growth Checking account. Simply click here to start your online application as a new member or log into online or mobile banking to open your checking account if you’re already an established member. It normally takes 10 minutes or less to complete!

  • What is everyday checking?

    Everyday Checking is our free checking account. This account is convenient and simple with benefits like no minimum balances and no monthly service charges.

    If you're seeking a hassle-free checking experience coupled with top-rated online and mobile banking services, as well as options for overdraft protection and customizable account alerts, Everyday Checking is the ideal choice for you.

    Plus, our online application makes getting your new checking account easier than ever. Simply click here to start your online application as a new member or log into online or mobile banking to open your checking account if you’re already an established member. It normally takes 10 minutes or less to complete!