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LCU Cards App

Easily manage and control your Listerhill cards with our new credit and debit card app.

The LCU Cards App was designed specifically for members like you! It is meant to give you, the cardholder, more control of your debit AND credit cards for easier financial management. It works separately from your Listerhill mobile banking app and exists solely to help you better manage your plastics. 

It gives you the freedom to...

Lock Your Cards   |   Set Spending Alerts   |   Set Travel Notifications

You can also:

  • Quickly check your credit card balance
  • Make a credit card payment
  • Dispute charges on your credit or debit cards
  • View your pending or recent transactions
  • Report cards as lost or stolen 

You can download the LCU Cards App from The App Store or Google Play and enter your card(s) into the app. If you have additional questions or need assistance with the app, please contact a Listerhill representative at 800-239-6033.

Credit Cards

Cards

  • How do I report a lost or stolen debit or credit card?

    Report a lost or stolen debit card or credit card by calling 1-888-918-7819. Or, if your debit card or credit card is loaded in the Listerhill Cards App, please tap on the card and choose the Lost or Stolen option.

  • I'll be traveling soon, will my debit or credit card work?

    To ensure that your debit or credit card will not be flagged while traveling, call 256-383-9204 or 1-800-239-6033 and let one of our contact center representatives know where you will be traveling to and how long your trip will be.

  • How can I make a credit card or loan payment from a different financial institution?

    To make a payment from a different financial institution, you can log into Online Banking, use our credit card mobile app, or call the Contact Center to make a payment for a credit card bill or loan.

Credit Card Rewards

  • What if I need to speak with someone about my Cash Rewards?

    Please call us at 800-239-6033 to speak with one of our representatives.

  • What are my credit card benefits?

    Not only do we offer the most competitive rates around with no annual fee, but we also provide several tools to help you get the most benefits from your Listerhill credit card. Go here to see a full list.

    (Need to review the card agreement? Go here to review our Consumer Credit Card Agreement and Disclosure.)

  • How can I spend or redeem my Cash Rewards?

    You can choose to apply your Cash Rewards as a statement credit or have the balance deposited into your Listerhill Share Savings Account. You may do so whenever you have a Cash Rewards balance (minimum of $5) in your CURewards account.

  • Where do I go to view my Cash Rewards?

    If you are already signed up for Online Banking but have not added your credit card, log in to your account and click the Contact Us link at the top right of the page. Then, under All Services & Settings/Preferences/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 Home/Money I Owe section, click on the account and then click Get Info under More Details & Routing Numbers. 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 CURewards link on the right to review your Cash Rewards info. Then click on the CURewards link again 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).

    Your initial Cash Rewards balance was deposited into your Listerhill Share Savings Account on August 1. We will continue to deposit your Cash Rewards into your Listerhill Share Savings Account once per year on December 1 unless you choose to redeem them yourself.

    (Don't want to go through Online Banking? Go here to register your card through CURewards.)

LCU Cards App FAQ's

  • What if I need help using the app?

    To get answers to your questions about the app, you can give one of our customer service representatives a call at 800-239-6033

  • How do I register for the credit card app?

    First, you want to download the app from the iTunes or Google Play store. Then you can register your card from your phone. You will need to create a user ID and password and answer security questions.

  • How do you use the information that I provide during registration?

    When you provide information during registration, we verify your identity to validate your account. We only store your security question, security answer, user ID, and password in our system.

  • Which phone carriers are supported?

    Our app supports all of the major US wireless phone carriers, including Sprint, T-Mobile, and Verizon.

  • How much does the app cost?

    We do not charge a fee to use the app, though keep in mind that you might be responsible for charges associated with your phone data usage.

  • How do I view my transactions in the LCU Cards app?

    Once your card is entered into the app, you can tap on the card image to view transactions.

  • Can I see my checking account balance on my debit card?

    No, but you can view pending or posted transactions on your debit card through the app. You can find your checking account balance through Online Banking or through the Listerhill app.

  • How do I add another card to the LCU Cards app?

    Swipe left to enter a new card once you have entered your first card.

  • How do I remove a card from the LCU Cards app?

    Tap on the top right of the card image (Card Settings). There, you can set a card nickname, make the card your default card, or choose to remove the card.

Cash Back Credit Card

  • What is better cash back or points?

    Cash back and points offer their own set of benefits. You have more flexibility with what you can do with your cash back reward, and you can use points for specific benefits. Ultimately, it depends on your preferences.

  • Why do credit cards offer cash back?

    Credit card companies can offer cash back because merchants that accept payments via credit card have to pay a percentage of the transaction fee to the credit card company. In this case, the credit card company can decide to share the merchant fee with you in the form of a cash back offer.

  • How does a cash back credit card work?

    Our cash back credit card gives you a flat rate of 1% back on all of your purchases. It acts as a rebate that you can redeem for cash as a statement credit or direct deposit in your account.

  • Is it worth getting a cash back credit card?

    If you can find one that also offers a low-interest rate, it’s worth getting a Visa cash back credit card. When you use a cash rewards credit card, you get rewarded for making everyday purchases. As long as you practice good spending habits, you’ll enjoy the benefits.

  • How soon can I redeem my Cash Rewards?

    You can begin redeeming your Cash Rewards as soon as they are available in your Rewards account! You can redeem them as often as you choose or you can have us redeem them for you automatically by depositing the Cash Rewards into your Listerhill Share Savings Account annually (by December 1).

Merchandise Rewards

  • How do I redeem my Merchandise Rewards?

    The easiest way to redeem your Merchandise 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. Select “Rewards” on the upper right side within the screen (below FICO Score) and on the next screen, click on the CURewards logo. This will automatically sign you in to be able to redeem your Merchandise Rewards points!

  • What are my credit card benefits?

    Not only does Listerhill Credit Union offer the most competitive rates available with no annual fee, but we also provide several tools to help you get the most out of your Visa Platinum Rewards card. Click here to see a full list.

  • What if I need to speak with someone about my rewards?

    Please call us at 800-239-6033 to speak with one of our representatives.

  • How do I open my credit card?

    To open your credit card, you can apply online or give us a call at 800-239-6033 to speak with one of our credit specialists.

  • How do I qualify for a Visa Platinum Rewards card?

    To qualify for a credit card, you will need to provide information related to your employment, along with permission for us to perform a credit check. If you have the income and financial background to support additional credit, you should qualify. If not, we will advise you as to why your application was denied.

  • Are my rewards points transferable?

    Yes, but only to another Merchandise Rewards card at Listerhill.

  • What interest rate will I get?

    Your interest rate will be determined after you submit your application. Many factors, including your credit score, help to assess your interest rate.

  • How do I earn points?

    You earn one point for every dollar you spend on eligible purchases with your Visa Platinum Rewards credit card. We keep track of your points and include your balance on your monthly account statement so you know where you stand.

  • What is a Visa Platinum Rewards Credit Card?

    A Visa Platinum Rewards credit card is designed to provide you with the opportunity to earn rewards with each use.

Business Credit Card

  • What can I expect in regard to credit limit?

    The credit limit on your Listerhill business credit card will be dictated by numerous factors, including your current debt-to-income ratio. Although there is no single answer to this question, it is worth noting that small business owners in 2016 had a median total credit limit of $56,100 across all of their credit cards. If you are concerned about the credit limit you are granted, our account representatives are here to provide you with assistance.

    Your credit limit may also be affected by your personal credit score. If your FICO score is below a certain threshold, you could find yourself with a lower credit limit than you would like. The good news is that there are many steps you can take to improve your FICO rating, ultimately increasing your credit limit over time.

  • Will my personal credit be impacted?

    Generally, business owners’ personal credit scores are not affected by business credit card applications. Talk to your Listerhill Credit Union representative if you have any questions regarding your personal credit score and how it could be impacted.

    It is important to note that if your Listerhill business credit card activity does appear on your personal credit report, there will be no differentiation between the two. In other words, business expenditures will be treated the same as personal purchases by the credit bureaus. Thus, it is crucially important to keep your new business Visa in good standing.

  • Why should I choose the Listerhill Business Credit Card?

    We know you have a lot of choices when it comes to applying for a business credit card. At Listerhill Credit Union, we take pride in providing our clients with more benefits than they can count! First and foremost, you will have access to the best customer service in the industry. You are more than a number to us and we will always be here to provide you with the assistance you need.

    We also provide our clients with peace of mind if their Visa cards become lost or stolen. Whether you drop your card while running errands locally or it gets stolen on an overseas business trip, our team is here to make sure you are taken care of.

    Finally, the advantages of the Listerhill Business Visa itself are worth the application. Our rates and fees will always remain competitive, so you can trust you’re never paying too much for your business expenses. You will also earn the aforementioned rewards on eligible purchases every time you use your card.

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Listerhill has been 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.

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Frequently Asked Questions

  • How am I eligible for membership at Listerhill if I don't live near a branch?

    You can become eligible for membership at Listerhill anywhere in Alabama if you join the Alabama Consumer Council or the Athens State Alumni Association. In Tennessee, you can also become eligible for membership if you join the Athens State Alumni Association. This membership is initiated at no cost to you and doesn't require any setup on your part outside of the normal application process to become a member of Listerhill.

  • How can I access my Listerhill accounts without a nearby branch?

    If you live in Alabama or in Tennessee but don't have a Listerhill branch location nearby, there are still plenty of ways to access your accounts. You can use our online banking, mobile banking app, and cards app to access your accounts from your devices. You can also take advantage of our CO-OP Shared Branches for easy access to your money wherever you are. If you need to get in touch, we're always one call away.

  • Can I open a Listerhill account online?

    You can open your Listerhill account, loan, or credit card from the comfort of your home with our easy online application. Or, if you want to apply for a mortgage, you can learn more about our offerings and start your application here.

  • Am I eligible for membership at Listerhill?

    If you live, work, attend school, or own property anywhere in Alabama or Tennessee, you're in luck! You're eligible to become a Listerhill member.

  • The Great Giveback Official Rules

    1. Eligibility: No purchase or obligation necessary to participate and win. All participants must be 19 years of age or older at time of contest participation. Employees of Listerhill Credit Union are not eligible to register for the contest.

    2. How To Enter the Contest: All Listerhill members who have consumer loans in good standing, (subject to limitations below) are automatically entered. Anyone who takes out a new loan with Listerhill Credit Union, or refinances a loan from another lender with Listerhill Credit Union (subject to limitations below) will automatically be entered to win. Limit of one entry per loan.

    NO PURCHASE NECESSARY: To enter the contest without a loan, send a self-addressed, stamped envelope to: Listerhill Credit Union, P.O. Box 566, Sheffield, AL 35660, Attn: Great Giveback Contest Entry. Limit one entry per person. Written entries must be received no later than July 3, 2021.

    Listerhill Credit Union will not be responsible for incomplete, lost, late, misdirected or illegible entries or for failure to receive entries. All entries become property of Listerhill Credit Union and none will be returned. Any questions regarding the number of entries submitted shall be determined by Listerhill Credit Union in its sole discretion, and Listerhill Credit Union reserves the right to disqualify any entries by persons determined to be tampering with, violating, or abusing any aspect of the contest.

    3. Contest Entry Requirements: In the event the Credit Union, in its sole discretion, determines that any Entry contains content that does not comply with these Official Rules or does not otherwise comply with regulatory guidelines, Credit Union reserves the right to disqualify the entry.

    4. Determining the Winner: A Credit Union employee will select at random four (4) $500 winners (one per day July 12-15) and one Grand Prize Winner from all entries received on July 16, 2021. You do not have to be present to win.

    5. Prizes: $500 Cash Prize: the Credit Union will award four (4) members with $500 cash each. Grand Prize: The Credit Union will pay up to $25,000 toward your loan with Listerhill Credit Union, or combination of loans. No loan payments will be made to loans with any other lender. No cash equivalent provided, and the total prize amount may be less depending on the outstanding amount of loan balance(s) with Listerhill Credit Union. In no event will the prize awarded exceed the total amount of the winner’s outstanding balance of qualifying loans with Listerhill Credit Union. Federal, state and local taxes are the sole responsibility of the winner. IRS regulations require the Credit Union file a 1099 on behalf of the winner.

    A Credit Union employee will call the prize winners and the prize winners will be called up to five times during regular business hours at number provided on entry form and will leave no messages. Failure to reach winner during these calls may result in disqualification of winner, forfeiture of his or her interest in all prizes, and selection of a substitute winner drawn from the drum. Winner will be required to schedule a time, at least 48 hours in advance, to visit Listerhill Credit Union, located at 4790 2nd Street, Muscle Shoals AL, 35661 in person, during regular business hours within seven (7) days of being notified to claim prizes by providing proof of eligibility for prize won and completing and signing an affidavit of eligibility and a liability and publicity release. Failure of any Winner to timely contact the Credit Union, visit the above Credit Union office in person and sign and return any required affidavit and release, or to claim a prize or comply with any term or condition of these Official Rules, will result in drawing Winner's disqualification and the forfeiture of his or her interest in the prize. Winners may waive their right to receive prizes. Prizes are non-assignable and nontransferable. No substitutions allowed by winner.

    6. To be eligible to win, all loans must be in good standing (not more than 30 days past due at the time of drawing. Eligible loans are limited to auto loans (no indirect dealer loans), personal loans (no loans secured by real property, such as mortgages, 2nd mortgages, and Home Equity Lines of Credit) and recreation loans made to consumer borrowers (not business or commercial loans).

    6. Participation. By participating, entrants agree to be bound by these Official Rules and the decisions of the Contest. Except where prohibited, acceptance of any prize constitutes winner's consent to the publication of his or her name, biographical information and likeness in any media for any commercial or promotional purpose, without limitation the Internet, or further compensation. Prizes not won and claimed by eligible winners in accordance with these Official Rules will not be awarded and will remain the property of the Credit Union.