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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.
If a member has accounts in credit union A and credit union B, and credit union A merges into credit union B, accounts of credit union A continue to be insured separately from the share deposits of credit union B for six months after the date of the merger or, in the case of a share certificate, the earliest maturity date after the six-month period. In the case of a share certificate that matures within the six-month grace period that is renewed at the same dollar amount, either with or without accrued dividends having been added to the principal amount, and for the same term as the original share certificate, the separate insurance applies to the renewed share certificate until the first maturity date after the six-month period. A share certificate that matures within the six-month grace period that is renewed on any other basis, or that is not renewed, is separately insured only until the end of the six-month grace period.
The NCUA would either transfer the insured member's account to another federally insured credit union or give the federally insured member a check equal to their insured account balance. This includes the principal and posted dividends through the date of the credit union's liquidation, up to the insurance limit.
Federal law requires the NCUA to make payments of insured accounts "as soon as possible" upon the failure of a federally insured credit union. While every credit union failure is unique, there are standard policies and procedures that the NCUA follows in making share insurance payments. Historically, insured funds are available to members within just a few days after the closure of an insured credit union.
Members who have uninsured shares may recover a portion of their uninsured shares, but there is no guarantee that they will recover any more than the insured amount. The amount of uninsured shares they may receive, if any, is based on the recovery of the failed credit union's assets. Depending on the quality and value of these assets, it may take several years to conclude recovery on all the assets. As recoveries are made, uninsured account holders may receive periodic payments on their uninsured shares claim.
If a liquidated credit union is acquired by another federally insured credit union, all direct deposits, including Social Security checks or paychecks delivered electronically, will be automatically deposited into your account at the assuming credit union. If the NCUA cannot find an acquirer for the liquidated credit union, the NCUA will advise members to make new arrangements.