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. And you don’t need your debit card to do it.

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.

No Card Required

Securely sign on to your accounts using your member number and social security number. No debit card required.

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.

Locations with Smart ATMs

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 is a land loan?

    A land loan provides you with financing to secure a lot of land and cover the costs for up to 20 years. With Listerhill, you can get a loan on unimproved land. 

    Once you’re ready to build, you can secure a different type of loan to cover construction costs.

  • Who is a HELOC best for?

    If you aren’t sure how much you’ll need to borrow or when you'll need it, a Home Equity Line of Credit is a great option. Access ongoing cash for a set period of up to 10 years with low minimum payments until your withdrawal period is complete. Contrary to a Home Equity Loan, the interest on a HELOC is a variable rate and may be impacted by the status of the economy.

  • Who is a Home Equity Loan best for?

    If you’re the type of person who takes a big-picture view when planning your financial decisions, a home equity loan may make the most sense. Since you’re borrowing a fixed amount at a fixed rate, you can plan how much you’ll pay for the loan in the long run from day one.

  • What can home equity loans be used for?

    Home equity loans provide you with the opportunity to chase dreams to the fullest. Enjoy a vacation with the whole family, invest in a household remodeling project, or even finance an upcoming vehicle purchase with only a few clicks.  If you can dream it, you can achieve it!

  • What type of requirements exist for home equity loans?

    Home equity loans rely on a loan to value ratio (LTV) to disburse funds, meaning that your credit score and home equity value should be fairly substantial to take advantage of all possible benefits. For assistance in the home equity loan pre-approval process, please speak with your local Listerhill Credit Union branch.