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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.
An overdraft occurs when you authorize any transaction that exceeds the "available balance" in your account(s). Your available balance is our most current record of the amount of money in your account available for your use or withdrawal.
All Listerhill checking accounts come with Standard Overdraft Coverage. Under Standard Overdraft Coverage, Listerhill may authorize the following transactions:
If an item is paid into overdraft, you will be charged an Overdraft Fee.
You can opt out of Standard Overdraft Coverage at any time by visiting a Listerhill branch or calling 1-800-239-6033.
If you are opted out, the item will be returned and you will be charged an NSF Fee.
Debit Card Overdraft Coverage is an optional service that determines how Listerhill handles your recurring and everyday debit card transaction on eligible accounts.
You can add or remove this coverage at any time by visiting a Listerhill branch or calling 1-800-239-6033.
Overdraft Protection is an optional service that is different from Debit Card Overdraft Coverage.
You can link your checking account to a savings account or line of credit. This service will pay your transactions out of the linked account if you do not have enough money in your checking account.
Disclosures containing complete details related to overdraft services may be obtained. Visit a listerhill branch or call 1-800-239-6033 to request copies by mail.
Our complete Rate and Fee Schedule is available here.
Account Features
"Oops" Refund: 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.
Tips and Tricks
Not everyone's 9-to-5 actually happens from 9am to 5pm. That's why our 24/7 Smart ATMs give you the ability to make deposits and check account balances at any time.
Simply call 256-381-5555 or 1-800-942-5328 for 24/7 access with your phone. Automated Access allows you to check account balances, transactions history, transfer money, make a loan payment, and obtain loan payoff amounts.
*Credit limit and interest rate for Line of Credit accounts are subject to credit approval.
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
To Get Started with our Mobile Banking app:
Download the app to your device from the Apple App Store or Google Play.
Sign in using your Online Banking credentials.
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!
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!
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!