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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.

Common Scams & Fraud

Stay ahead of scammers by learning about common scams and fraud tactics.
Identity & Access Scams

Identity Theft

Occurs when someone uses your personal information - such as your Social Security number, credit card number, or bank account details - without your permission to commit fraud or other crimes.

Phishing & Smishing Scams

Phishing involves deceptive emails, while smishing uses fraudulent text messages to trick you into revealing personal information or clicking on malicious links.

AI-Powered Impersonation Scams

Scammers use deepfake audio or AI-generated voices to convincingly pose as trusted individuals - often family members or financial professionals - in order to gain access to your accounts or trick you into sending money.

Impersonation Scams

Criminals pretend to be trusted entities like your credit union, government agencies, or service providers to gain access to your accounts or money.

Business Email Compromise Scams

Hackers infiltrate legitimate business email systems to impersonate executives or vendors and redirect funds through fraudulent invoices or instructions.

Fake Websites

Cybercriminals create sites that mimic real companies to trick you into entering login credentials or payment information.

QR Code Scams

You're tricked into scanning a malicious QR code that directs you to a fraudulent site designed to steal your personal or financial information.

Financial & Payment Scams

Card-Not-Present (CNP) Fraud

Occurs when fraudsters use stolen card information to make online or phone purchases without the physical card being present.

Check Theft & Mail Fraud

Criminals steal checks from mailboxes, alter them, and attempt to cash them under false pretenses - targeting both individuals and businesses.

Overpayment Scams

The scammer sends a fake check for more than the purchase price and asks you to refund the difference - once the check bounces, you lose your money.

Check Cashing

You're asked to cash a check for someone and send back a portion of the funds - only to discover the check is fake and you're responsible for the loss.

Payment Scams

You're asked to make a payment - often via gift cards, wire transfers, or payment apps - with the promise of a reward or reimbursement that never comes.

Mortgage Closing

During the home-buying process, you receive fake wiring instructions from a spoofed title company or lender, redirecting your down payment to a scammer's account.

Social & Emotional Scams

Emergency Scams

Scammers pose as a friend or relative in urgent need - often claiming an accident, arrest, or medical emergency - to pressure you into sending money quickly.

Grandparent Scam

A scammer poses as your grandchild in distress - often crying or whispering - asking you not to tell their parents and to send money right away.

Romance Scam

Scammers build fake online relationships to gain trust and eventually ask for money, often claiming a personal or medical emergency.

Puppy Scam

Scammers advertise non-existent pets for sale online, request payment and shipping fees, then vanish without delivering the animal.

Charity Scams

Fake charities use emotional appeals or disasters to trick you into donating to causes that don't exist.

Investment & Opportunity Scams

Investment Scams

You're offered a "guaranteed" return on a no-risk investment that turns out to be fake - often in cryptocurrency, real estate, or startup schemes.

Lottery Scams

You're told you've won a prize or lottery you never entered, but you must pay taxes or fees before collecting the (nonexistent) winnings.

Debt Relief

Fraudulent companies promise to erase your debt or improve your credit - for a fee - without delivering real help.

Employment Scams

Fraudulent job listings offer high pay or flexible work but require you to provide sensitive personal information or pay for training or materials.

Fake Rental

Scammers list properties they don't own, collect deposits or rent up front, and then disappear - often targeting out-of-town renters or urgent movers.

Online Merchant/Marketplace Scams

Fraudsters post fake listings for products or services on websites or social media, often asking for payment up front and never delivering the goods.

FTC & IRS Scams

Scammers claim to be from the IRS, FTC, or another agency, threatening arrest or fines unless you pay immediately - usually by gift card or wire transfer.

Tech Support Scams

A scammer pretends to be a tech support agent, claiming there is an issue with your computer and urging you to grant remote access or pay for fake services.

Reporting Scams
Spotted a scam or worried you've been made a victim?
  1. Contact us at 256-383-9204 or by visiting our support page.
  2. Report the incident through the suspicious activity form.
  3. Report the scam to the BBB Scam Tracker and the government via the FTC Report Fraud site. You may also want to report scammers directly to the FBI.
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Frequently Asked Questions

  • Do I have to be a Listerhill member to apply?

    You can apply as a current member or become a member during the application process if you meet eligibility and credit requirements.*

  • What does 0% APR for 12 months mean?

    It means you won't be charged interest on eligible purchases for the first 12 months after opening your new Listerhill Visa Signature® Rewards or Visa Platinum® Credit Card.*

  • How long does the 0% APR last?

    This introductory 0% APR offer applies for 12 months from account opening.*

  • Do current Listerhill credit cardholders qualify?

    No, current Listerhill Visa Signature® Rewards and Visa Platinum® Credit Card holders are not eligible for this offer, but other promotions may be available.

  • Who qualifies for the 0% APR offer?

    This offer is available to new Listerhill Visa Signature® Rewards and Visa Platinum® Credit Card holders and is subject to credit approval.*