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Open an Account in Minutes

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.

Join Now & Apply

Listerhill Credit Union (en-US)

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Checking

Open an Account in Minutes

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.

Join Now & Apply

Checking

Enjoy the benefits of ownership.

Listerhill offers a variety of checking accounts with unsurpassed benefits, such as no minimum balances, free online banking, unlimited check writing, and more.

Open an Account in Minutes

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.

Join Now & Apply
Compare Checking Accounts
Checking

Open an Account in Minutes

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.

Join Now & Apply
Checking Accounts
Everyday Checking

Welcome to convenience, flexibility and simplicity. The Everyday Checking Account is our most popular checking account, and rightfully so. With no minimum balance required and no monthly service charge, there are no hassles with this account.

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Growth Checking

Great for short-term savings goals, like building an emergency fund or saving up for that cruise next year, our Growth Checking account works similarly to our Everyday Checking Account, but offers higher returns on your savings while giving you easy, flexible access to your funds.

Learn More
Product Features
Features
Earn Interest
Overdraft Services
Free 1st Box of Checks
Instant Issue Debit Card
24/7 Access
Speedy Application
Free Mobile Banking & Mobile Deposits
Free Online & Bill Pay
Account Alerts
Monthly Service Fee
Minimum Balance Requirement
Everyday Checking
Earn Interest
Overdraft Services
Free 1st Box of Checks
Instant Issue Debit Card
24/7 Access
Speedy Application
Free Mobile Banking & Mobile Deposits
Free Online & Bill Pay
Account Alerts
Monthly Service Fee
$0
Minimum Balance Requirement
$0
Learn More
Growth Checking
Earn Interest
On balances of $1,000 or more*
Overdraft Services
Free 1st Box of Checks
Instant Issue Debit Card
24/7 Access
Speedy Application
Free Mobile Banking & Mobile Deposits
Free Online & Bill Pay
Account Alerts
Monthly Service Fee
$10 if balance falls below $1,000**
Minimum Balance Requirement
$1,000
Learn More

*View our current deposit account rates by visiting listerhill.com/rates.

**Please see our full Rate and Fee Schedule for a breakdown of our account fees.

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FAQs about Listerhill Credit Union Checking Accounts

  • 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!

  • 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!

  • 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!

  • Can I access my accounts without a nearby branch?

    Yes. If you live in Alabama, Georgia, Florida, Mississippi, or Tennessee and don't have a Listerhill branch nearby, you can still access your accounts with online banking and mobile banking.

  • How can I start using mobile banking?

    To Get Started with our Mobile Banking app:

  • 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 overdraft services like:

    • Standard Overdraft Coverage

    • Debit Card Overdraft Coverage

    • Overdraft Protection

© 2026 Listerhill Credit Union (en-US). All Rights Reserved. Federally insured by the NCUA. NMLS #439260
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Frequently Asked Questions

  • Why is it important to set up a travel notification before traveling?

    Setting up a travel notification tells Listerhill that you will be using your card overseas or in a different state. By informing us ahead of time, you’ll make sure that legitimate transactions using your credit or debit card are not blocked, so you’ll always have access to your money. 

  • Why should I sign up for eStatements over traditional paper statements?

    Unlike regular paper statements, eStatements are available instantly. There’s no chance they will get lost in the mail, and you do not need to worry about misplacing them — they’re always available online. They’re also searchable, which makes it easier to find specific transactions. In addition, eStatements save paper, making them more cost-effective and environmentally friendly.

  • Is it possible to set up card alerts and notifications using Online or Mobile Banking?

    No, while you can track card activity using Online and Mobile Banking, you currently need to use the LCU Card App to set up card alerts and notifications. This functionality will be coming soon to Listerhill’s Online and Mobile Banking services.

  • Can the LCU Card App be used for both credit cards and debit cards?

    Yes, the LCU Card App is designed to allow you to monitor and manage multiple cards, including both credit and debit cards.

  • What is the difference between Listerhill Online and Mobile Banking, and the LCU Card App?

    Listerhill Online and Mobile Banking lets you access information about your card balances and transactions (once you have added your card details). The LCU Card App also lets you track card spending, but also allows you to add notifications and alerts, enable transaction alerts, view recent and pending transactions, and instantly lock or unlock cards.

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