Privacy And Security

Privacy & Security

Your privacy and account security is Listerhill Credit Union's highest priority. Below are just some of the steps we take to ensure your safety.

Security and Privacy Information

How We Protect You

It’s All About We is not just a saying here at Listerhill. Protecting our members’ personal information is our top priority. We are always working to make sure your information is safe and that your family is protected from financial harm.

Listerhill uses the following security controls to protect your information:

1. We require a unique username and alphanumeric passcode to sign in to Online Banking.

2. We have a secure browser connection throughout our site and require you to sign in to Online Banking each time you log on.

3. We require an industry standard 128-bit encryption.

4. A timeout feature automatically terminates each user session after a period of inactivity. After multiple unsuccessful logon attempts, online account access is locked.

5. We don’t use email or text messages to send private information such as your Access ID, password, account number, card number or Social Security number. In addition, we never ask our members for confidential information via email, text or social media.

Resources

Interested in learning more about your information security? Check out the following resources.

1. ID Theft Toolkits: https://listerhill.balancepro....

2. Federal Trade Commission: www.ftc.gov

3. NCUA Consumer Resources: https://www.mycreditunion.gov/...

How You Can Protect Yourself

By managing your personal information carefully, and with a full understanding of its importance, you can reduce the likelihood that ID Theft will happen to you and react quickly in the unlikely event that it does. Identity thieves have high and low-tech ways of stealing your personal information. They can search through your trash or hack into your computer. Here are a few examples of items identity thieves look for:

• Your wallet or purse — containing ID, credit cards, debit cards, statements, or receipts

• Mail — credit card statements, checks, tax information, and pre-approved credit card offers

• Personal information from your home or computer

• Files from offices where you are a customer, employee, patient or student

Here are some steps you can take to protect yourself:

1. Be on guard for potential fraudulent emails. This includes not opening email messages or attachments from unknown senders and not clicking on any unknown links. Never provide sensitive information to anyone through email. Also, make sure to check the accuracy of the email addresses to confirm the senders are who they say they are.

2. If you have responded to a fraudulent email or feel you are the victim of email fraud, act immediately by contacting Listerhill at 256-383-9204 or 800-239-6033 or email us at phishing@listerhill.com.

3. Change your passwords often. Don’t use the same password for multiple accounts or share your login information with anyone. Use a combination of letters and numbers to create complex passwords which would be difficult for someone else to guess.

4. Sign up for email and text alerts through Online Banking. This will help you monitor your accounts and activity closely.

5. Regularly request free credit report(s), inspect the reports closely, and promptly dispute any unauthorized accounts. You can go to annualcreditreport.com or call 877-322-8228 to get your reports for free once per year.

6. Look at your account statements closely and promptly and dispute any unauthorized charges.

7. Consider putting a credit lock or credit freeze on your existing credit files. However, please be aware that this will result in some verification delay when you are applying for new credit.

8. Consider placing a fraud alert on your credit files if you believe that your personal data has been compromised at any time.

9. Properly dispose of important documents and sensitive financial information.

10. Frequently update your browser to ensure that your interactions with our website are safe and secure—and to ensure an optimal experience. We recommend using the most up-to-date version of your web browser.

Resources

Interested in learning more about your information security? Check out the following resources.

1. ID Theft Toolkits: https://listerhill.balancepro....

2. Federal Trade Commission: www.ftc.gov

3. NCUA Consumer Resources: https://www.mycreditunion.gov/...

Contact Us Now

How to Report Fraud

If you suspect you are the victim of fraud, immediately contact Listerhill at 256-383-9204 or 800-239-6033 or email us at support@listerhill.com.

Report Lost/Stolen Card

Debit Card or Credit Card: Immediately call 1-888-918-7819.

Other Questions or Concerns

Call 256-383-9204 or 1-800-239-6033 to speak with a Listerhill reperesentative now.

Our Privacy Policy

The Listerhill Credit Union Privacy Policy.

How We Use Your Online Information

Listerhill Credit Union Website Privacy Policy

• Acknowledgement and Acceptance of Terms

Listerhill Credit Union respects the privacy of our members and visitors to our website. This statement describes our policy regarding the security of information received about you during visits to this website. This Privacy Policy is specific to the general use of this website only and does not address the collection and use of nonpublic personal information about individuals who obtain financial products or services from Listerhill Credit Union (“consumer financial information”). Our policy regarding the privacy of consumer financial information is available in our Listerhill Credit Union Privacy Policy. By accessing the website, you acknowledge that you have read and fully understand this Privacy Policy, that you freely consent to the information collection and use practices described in this Privacy Policy.

• Links

Our website contains links to third-party web sites provided for convenience only. Listerhill Credit Union is neither responsible for nor endorses the content of third-party links. Listerhill Credit Union is not responsible for the privacy practices or the content of such websites.

• Forms

Online forms such as loan applications, check orders, etc., are provided to better serve the needs of our members. Personal information provided by a member via any of our online forms is used only by Listerhill Credit Union to process the member’s request for service. Personal information transmitted through email communication is used only by our staff to respond to inquiries for service or information. We do not give, sell or transfer non-public personal information to third parties unless permitted or required by law.

• General Interaction

As you interact with us in a variety of ways online, including through a mobile device, we may receive information collected through Google Analytics, cookies, tags, and other technologies. This information may include your name, age, gender, interests, address, email address, or other contact information. We may also gather additional information, such as the type of device and browser you are using, the IP address of your device, information about your device’s operating system, and additional information associated with your device. We use this information to make your experience with Listerhill richer and more personalized based on the products, services, or other interaction you have with us. We may use this information to evaluate and improve the usefulness of our site or make offers to you via online ads, email, or other marketing efforts.

• Opt-Out

We respect our members’ ability to exercise choice in receiving cookie-based advertising on third-party sites by participating in programs utilizing the Advertising Options Icon (AdChoices). If you receive an ad delivered on a third-party website in this way, you may opt out of receiving such ads by clicking the displayed icon and following the instructions or by visiting aboutads.info. This opt-out works via cookies, so if you delete cookies, use a different device, or change web browsers, you will need to opt out again. You may be able to set your browser to reject browser cookies. However, you may be limiting the functionality we can provide when you visit our site. The latest versions of internet browsers provide cookie management tools, such as the ability to delete or reject cookies. We recommend that you refer to information supplied by browser providers for more specific information, including how to use these tools.

• Children’s Online Privacy Protection Act (COPPA)

The Federal Trade Commission adopted a regulation (16 CFR 312) to implement the Children’s Online Privacy Protection Act (COPPA), which governs the collection, use and/or disclosure of personal information from and about children on the internet. Listerhill Credit Union does not collect personal information from children under age 13 on any Credit Union website.

• Policy Updates

Any updates to the policy become effective when we post the updates on the site. Your use of the site following the update to the policy means that you accept the updated policy.

• Contact Information

For additional information on privacy policies, please call 256-383-9204 or email us at support@listerhill.com.

Contact Us Now

How to Report Fraud

If you suspect you are the victim of fraud, immediately contact Listerhill at 256-383-9204 or 800-239-6033 or email us at support@listerhill.com.

Report Lost/Stolen Card

Debit Card or Credit Card: Immediately call 1-888-918-7819.

Other Questions or Concerns

Call 256-383-9204 or 1-800-239-6033 to speak with a Listerhill representative now. The Federal Trade Commission adopted a regulation (16 CFR 312) to implement the Children’s Online Privacy.

Report Fraud

How to Report Fraud

If you suspect you are the victim of fraud, immediately contact Listerhill at 256-383-9204 or 800-239-6033 or email us at support@listerhill.com.

Report Lost or Stolen Debit/Credit Card

Report Lost/Stolen Card

Debit Card or Credit Card: Immediately call 1-888-918-7819.

Contact Us Now

Other Questions or Concerns

Call 256-383-9204 or 1-800-239-6033 to speak with a Listerhill reperesentative now.

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Common Links

Frequently Asked Questions

  • The Great Giveback Official Rules

    1. Eligibility: No purchase or obligation necessary to participate and win. All participants must be 19 years of age or older at time of contest participation. Employees of Listerhill Credit Union are not eligible to register for the contest.

    2. How To Enter the Contest: All Listerhill members who have consumer loans in good standing, (subject to limitations below) are automatically entered. Anyone who takes out a new loan with Listerhill Credit Union, or refinances a loan from another lender with Listerhill Credit Union (subject to limitations below) will automatically be entered to win. Limit of one entry per loan.

    NO PURCHASE NECESSARY: To enter the contest without a loan, send a self-addressed, stamped envelope to: Listerhill Credit Union, P.O. Box 566, Sheffield, AL 35660, Attn: Great Giveback Contest Entry. Limit one entry per person. Written entries must be received no later than July 3, 2021.

    Listerhill Credit Union will not be responsible for incomplete, lost, late, misdirected or illegible entries or for failure to receive entries. All entries become property of Listerhill Credit Union and none will be returned. Any questions regarding the number of entries submitted shall be determined by Listerhill Credit Union in its sole discretion, and Listerhill Credit Union reserves the right to disqualify any entries by persons determined to be tampering with, violating, or abusing any aspect of the contest.

    3. Contest Entry Requirements: In the event the Credit Union, in its sole discretion, determines that any Entry contains content that does not comply with these Official Rules or does not otherwise comply with regulatory guidelines, Credit Union reserves the right to disqualify the entry.

    4. Determining the Winner: A Credit Union employee will select at random four (4) $500 winners (one per day July 12-15) and one Grand Prize Winner from all entries received on July 16, 2021. You do not have to be present to win.

    5. Prizes: $500 Cash Prize: the Credit Union will award four (4) members with $500 cash each. Grand Prize: The Credit Union will pay up to $25,000 toward your loan with Listerhill Credit Union, or combination of loans. No loan payments will be made to loans with any other lender. No cash equivalent provided, and the total prize amount may be less depending on the outstanding amount of loan balance(s) with Listerhill Credit Union. In no event will the prize awarded exceed the total amount of the winner’s outstanding balance of qualifying loans with Listerhill Credit Union. Federal, state and local taxes are the sole responsibility of the winner. IRS regulations require the Credit Union file a 1099 on behalf of the winner.

    A Credit Union employee will call the prize winners and the prize winners will be called up to five times during regular business hours at number provided on entry form and will leave no messages. Failure to reach winner during these calls may result in disqualification of winner, forfeiture of his or her interest in all prizes, and selection of a substitute winner drawn from the drum. Winner will be required to schedule a time, at least 48 hours in advance, to visit Listerhill Credit Union, located at 4790 2nd Street, Muscle Shoals AL, 35661 in person, during regular business hours within seven (7) days of being notified to claim prizes by providing proof of eligibility for prize won and completing and signing an affidavit of eligibility and a liability and publicity release. Failure of any Winner to timely contact the Credit Union, visit the above Credit Union office in person and sign and return any required affidavit and release, or to claim a prize or comply with any term or condition of these Official Rules, will result in drawing Winner's disqualification and the forfeiture of his or her interest in the prize. Winners may waive their right to receive prizes. Prizes are non-assignable and nontransferable. No substitutions allowed by winner.

    6. To be eligible to win, all loans must be in good standing (not more than 30 days past due at the time of drawing. Eligible loans are limited to auto loans (no indirect dealer loans), personal loans (no loans secured by real property, such as mortgages, 2nd mortgages, and Home Equity Lines of Credit) and recreation loans made to consumer borrowers (not business or commercial loans).

    6. Participation. By participating, entrants agree to be bound by these Official Rules and the decisions of the Contest. Except where prohibited, acceptance of any prize constitutes winner's consent to the publication of his or her name, biographical information and likeness in any media for any commercial or promotional purpose, without limitation the Internet, or further compensation. Prizes not won and claimed by eligible winners in accordance with these Official Rules will not be awarded and will remain the property of the Credit Union.

  • How do I redeem my Merchandise Rewards?

    The easiest way to redeem your Merchandise Rewards is to log into Listerhill’s Online Banking and click the “Get Info” link to the right of your credit card information. This will take you to our credit card servicing site within the same window. Select “Rewards” on the upper right side within the screen (below FICO Score) and on the next screen, click on the CURewards logo. This will automatically sign you in to be able to redeem your Merchandise Rewards points!

  • What are the benefits of becoming a Listerhill Works partner organization?

    1. Completely free program and zero liability to your company.

    2. Easy to implement – requires no additional staffing or resource allocation.

    3. Builds employee loyalty and helps your organization stand out in a competitive employment market.

    4. Encourages financially stable employees through free on-site financial workshops.

    5. Initial on-site employee orientation; re-orientations and free financial seminars available. Once signed up, our SEG partner organizations are offered a free 30-40 minute on-site orientation to educate employees about the benefits of belonging to the Listerhill Credit Union financial cooperative. This informative and helpful session gives your employees a chance to ask questions and learn about the many benefits, products and services that membership provides them. Once on board, we also offer Listerhill Works partner organizations free Lunch n’ Learn seminars for employees. Topics include creating a budget, paying for college, debt management and how to buy a home.

    6. Credit union support at benefit fairs and open enrollment.

    7. Same-day account opening – we can immediately assist your employees who would like to open an account during our visit.

    8. Free informational materials – We provide all materials at no charge, including brochures and financial wellness educational workbooks

    9. Free participation in employee benefits fairs, new employee orientation meetings and other organizational events.

    10. No hassle partnership – we do all the work!

  • How do your employees benefit from being a Listerhill Works partner?

    1. Lifetime credit union membership

    2. Competitive rates on a wide range of savings products like:

    • Share Savings
    • Money Market
    • Certificates
    • IRAs
    • My Goal Savings
    • Explorer Rewards

    3. A wide range of loan products like:

    • Auto loans
    • Personal loans
    • Recreational loans

    4. Competitive loan and savings rates.

    5. 24/7 account access with Smart ATMs, Online and Mobile Banking, or by telephone with Automated Access. The choice is yours.

    6. eStatements

    7. Overdraft protection

    8. Up to 3 overdraft refunds per year on us.

    9. First box of checks free when you open your new checking account.

    10. Free Visa debit card with rewards or a UNA Keystone Debit Card to show your #lionpride and give back to the University.

    11. Checking accounts with no minimum balance required.

    12. Interest-earning checking accounts

    13. Free Online Banking with features like:

    • Free Online Bill Pay
    • PopMoney
    • Notify Me Alerts
    • Personal Finance Manager

    14. 24/7 Access to Smart ATMS with features like:

    • Make a deposit
    • Get exact change
    • Make loan payments
    • Speak with a real, local representative

    15. Access to 5,000 CO-OP Shared Branches nationwide for easy access to your money wherever you go.

    16. Visa Platinum Cash Back card with 1% cash back on everything you buy.

    17. Visa Platinum Merchandise Rewards

    18. A full-service mortgage lending department and your mortgage stays with Listerhill for the life of the loan.

    19. A full-service financial planning department that gives you personalized, local service.

    20. Access to financial wellness education courses and information.

  • How does the Maintenance Fee contribute to Listerhill's sustainability?

    In the past, we charged a $10 Relationship Fee to help cover the cost of servicing members' accounts. We felt we could serve you better by removing this fee and establishing a lower fee based on your investment in the cooperative. Encouraging our members to save and borrow with us is key to Listerhill's sustainability, plus it creates value that it ultimately returned back to our member owners (like you!)