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Financial Literacy

Overdraft Coverage

We understand life happens sometimes. That's why we provide ways to keep life going when everything else seems to be going faster.
Overdraft Coverage Option
Opt-In Coverage

Get access to funds when you need it most. Safety Net will pay share drafts, point-of-sale, debit, and ACH transactions when no other funding source is available.

Checking account must be brought to a positive balance within 30 days or account will be closed. Not a credit product or line of credit. Subject to credit union guidelines. Opt-in is required for debit card transaction coverage.
Fees/Cost: NSF fees as disclosed in the Rate & Fee Schedule apply.

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Overdraft Coverage Option
Anytime Credit (Line of Credit)

Through Anytime Credit, you can get pre-approved for a line of credit that you can access anytime you need it. Apply only once and whenever you need additional funds, simply transfer the amount you would like by check, by phone, or online. Unlike a typical loan, you make payments only on the credit you’ve actually used.

*Credit limit and interest rate subject to credit approval

Overdraft Coverage Option
Account Transfer From Share Savings

Your checking account is automatically linked to your Share Savings account. Funds are automatically transferred to cover checks and debit card transactions. If no other funding source, such as Anytime Credit, is present on the account, available funds will automatically be transferred from the Share Savings to your Checking account.

Fees/Cost: NSF fees as disclosed in the Rate & Fee Schedule apply.

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Frequently Asked Questions

  • How does a cash back credit card work?

    Our cash back credit card gives you a flat rate of 2% 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.

  • How do I receive an incoming wire transfer at Listerhill?

    All incoming wires must be received using Listerhill's routing number of 262277011. The member should use the routing number along with their member number and share ID suffix or their draft number when receiving a wire.

    Wire to:

    Listerhill Credit Union

    4790 E. 2nd Street

    Muscle Shoals, AL 35661

    1-256-383-9204

    ABA No.: 262277011

    For credit to the account of:

    Member's Name:

    Member's Address:

    Member's Account No.:

  • What does it cost to send or receive a wire transfer?

    Incoming Domestic Wire Charge: $20.00

    Outgoing Domestic Wire Charge: $20.00

    Incoming Foreign Wire Charge: $35.00

    We do not process outgoing foreign international wires. We can receive them only.

  • Can I conduct a wire transfer through Listerhill?

    Listerhill is capable of receiving incoming wire transfers and sending outgoing domestic wire transfers. All Branch Managers, Loan Officers, Senior Member Advocates, Member Advocates, and Tellers can provide our members with information needed to receive incoming wire transfers.

    Branch Managers, Member Advocates, and Senior Member Advocates can assist with processing outgoing domestic wires.

    We do not process outgoing foreign international wires. We can receive them only.

  • How do I qualify for membership at Listerhill?

    To qualify for membership with Listerhill, you must meet one of the following requirements:

    • If you live in the states of Alabama, Georgia, Mississippi, Florida, or Tennessee, you are eligible to become a member.
      • Depending on your individual eligibility requirements, 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.