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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.

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Overdraft Services

We understand life happens and it's easy to lose track of how much money you have available. That's why we provide members with options.
What is an overdraft?

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.

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For Life's Everyday Hiccups
Standard Overdraft Coverage

All Listerhill checking accounts come with Standard Overdraft Coverage. Under Standard Overdraft Coverage, Listerhill may authorize the following transactions:

  • Checks
  • Bill payments (such as recurring ACH 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.

Protection For Your Plastics
Debit Card Overdraft Coverage

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.

  • If enrolled, the transaction may be authorized but an Overdraft Fee applies.
  • If un-enrolled, the transaction may be declined and no fee will apply.
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For everyday bumps in the road
Overdraft Protection

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.

  • If a transfer comes from a savings account, a Transfer Fee will be assessed.
  • If a transfer comes from a line of credit account*, a Transfer Fee will not be assessed.
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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.

Ways To Avoid Overdraft Fees

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

  • Keep track of transactions and balances.
  • Do not forget about outstanding items like checks or recurring transactions.
  • Keep a little extra in your account just in case you overdraw.
  • Review your account statements.
  • Utilize financial wellness resources, like Banzai, Listerhill's free wellness partner.
Download Our App

Listerhill's Mobile Banking app features mobile check deposit, detailed transaction information, money transfer, account alerts and more! Available for the latest Apple and Android devices.

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Take Advantage of Our Smart ATMs

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.

24/7 Help With Automated Access

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.

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*Credit limit and interest rate for Line of Credit accounts are subject to credit approval.

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What can we help you with? *
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What are you borrowing for?
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Vehicle Options
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Home Options
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What are you saving for?
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How old are your kids?
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Which of these banking options are you interested in?
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How old are you (or your child)?
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What kind of account are you looking for?
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What are you looking for?

Common Links

Frequently Asked Questions

  • What are some factors to consider when choosing a rewards credit card?

    Determine whether you prefer cash back, travel points, or other reward types. Then, explore how and when reward points accumulate, if there are spending caps, and how easy it is to redeem your rewards. Financial institutions like credit unions tend to offer great rewards credit cards.

  • How can I compare credit card offers before making a decision?

    Carefully review rewards programs, like cash back or travel miles, when comparing credit cards. Also, consider the rewards rate, interest rates, annual fees, and any additional benefits the card includes.

  • What are the benefits of choosing a credit union's credit card compared to others?

    Our credit cards reward you for making purchases. They feature competitive interest rates and fewer fees than traditional banks. Members benefit from personalized customer service. We work closely with you to understand your financial situation and needs.

  • What if I prefer to make my payments through a pre-authorized automatic payment arrangement (ACH)?

    Please contact TruHome at 844-203-3642 to set up automatic payments or visit here to set them up yourself.

  • What if I prefer to make my payments through the Listerhill Mobile Banking app or Online Banking?

    Unfortunately, when the transfer occurs, mortgages will not be displayed on our app or in online banking, but we are working to bring that functionality ASAP.

    In the meantime, please visit here to view all mortgage information and payment options.