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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.
Setting up a travel notification tells Listerhill that you will be using your card overseas or in a different state. By informing us ahead of time, you’ll make sure that legitimate transactions using your credit or debit card are not blocked, so you’ll always have access to your money.
Unlike regular paper statements, eStatements are available instantly. There’s no chance they will get lost in the mail, and you do not need to worry about misplacing them — they’re always available online. They’re also searchable, which makes it easier to find specific transactions. In addition, eStatements save paper, making them more cost-effective and environmentally friendly.
No, while you can track card activity using Online and Mobile Banking, you currently need to use the LCU Card App to set up card alerts and notifications. This functionality will be coming soon to Listerhill’s Online and Mobile Banking services.
Yes, the LCU Card App is designed to allow you to monitor and manage multiple cards, including both credit and debit cards.
Listerhill Online and Mobile Banking lets you access information about your card balances and transactions (once you have added your card details). The LCU Card App also lets you track card spending, but also allows you to add notifications and alerts, enable transaction alerts, view recent and pending transactions, and instantly lock or unlock cards.