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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.

Drive Thru Smart Atm

Smart ATMs

Ready When You Are.

Not everyone’s 9-to-5 actually happens from 9:00 to 5:00. At Listerhill, we believe your financial life should work around your schedule, not ours.

That's why we’ve introduced our Smart ATMs, so you can make a deposit, get exact change, or make loan payments — all 24 hours a day, seven days a week.

Prefer to speak with a human? Through our Smart ATMs, you can still speak with a real, local representative. In fact, one of our Smart ATM Tellers can complete your entire transaction for you — providing the same great service you're used to.

The 24/7 Smart ATM: Ready When You Are

Some members only want quick and convenient. And some will only talk with a human-being. We understand each member has their preferred way to conduct financial transactions. The 24/7 Smart ATM has it all — with lots more convenient options than a traditional ATM and the added convenience of a live human to help. Try it out for your next credit union transaction. They're available 24/7 and ready when you are.

Product Features
Available 24/7

Smart ATMs are available every hour of the day, every day of the year.

Live Assistance

Speak to a real, local Smart Teller during business hours. Simply ask for some quick assistance or request our Smart Teller to complete the entire transaction for you.

Get Exact Cash

No more rounding up to the nearest $20. Get the amount you need in increments of $1.

Make Payments

Conveniently make payments on Listerhill loan and/or credit card accounts directly from any Smart ATM.

Complete Account View

Unlike traditional ATMs, our Smart ATMs give access to every account you own or co-own. Complete all of your financial business with one visit to our Smart ATM.

Smart ATM Frequently Asked Questions

  • The Smart ATM will not let go of my debit card! What should I do?

    Don't worry. The Smart ATM will clamp down on your chip card to hold it in place until the transaction is complete. Once the transaction is complete, it should release your card. Do not try to remove your card until prompted. If you believe the transaction to be over, but your card remains locked within the Smart ATM in error, please contact a Member Advocate in the branch or call us at (256) 383-9204.

  • What are all these other accounts listed when I enter my information into the Smart ATM?

    The Smart ATM will show you every account for which you are an owner. This includes your primary accounts and joint accounts. When making a transaction, please double-check the last four digits of the account number to ensure you are making a transaction in the correct account.

  • Why am I getting an error message on every Smart ATM?

    Depending on the status of your account, you may receive an error message when trying to conduct a transaction at a Smart ATM. If your account is closed, delinquent, or has experienced fraudulent activity, you may not be able to access your account through a Smart ATM. If this happens, please see a Member Advocate inside a branch or call us at (256) 383-9204.

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Frequently Asked Questions

  • What happens when federally insured credit unions merge?

    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.

  • What happens if a federally insured credit union is liquidated?

    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.

  • If a credit union is liquidated, what is the timeframe for payout of the funds that are insured if the credit union cannot be acquired by another credit union?

    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.

  • What happens to members with uninsured shares?

    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.

  • What happens to my direct deposits if a federally insured credit union is liquidated?

    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.