Overdraft Protection

Safety Net (Courtesy Pay)

Allows member to overdraw checking account up to a certain limit. Will pay share drafts, POS, debit, ATM and ACH transactions up to a $300 limit.

• May opt-in your checking account.
• Account must be open more than 60 days to qualify.
• Checking account must be brought to a positive balance within 30 days or will be closed.
• Not a credit product or line of credit.
• Subject to credit union guidelines.

Fees/Cost: $29 per item

Overdraft Protection Line of Credit

A loan attached to the checking account. Loan must be applied for and approved through a loan officer.

• $500 maximum limit
• Advances in $50 increments
• $10 minimum monthly payment

Fees/Cost: 14.40% APR on unpaid balance from date of transfer

Account Transfer - Share Savings

Checking accounts are automatically linked to share accounts. Funds are transferred to cover checks and debit card transactions.

Fees/Cost: $14.50 per item

Account Transfer - Daily Action

Checking account is linked to a Daily Action account. Funds are transferred to cover checks presented if member has chosen this option. Transfers in $500 increments will automatically occur if funds available.

Fees/Cost: No Fee

Questions?

While we hope you find the information you need online, we want to remind you that Listerhill is more than a website. We’re your credit union, and we look forward to helping you. Call us at (256) 383-9204 or 1-800-239-6033 for friendly, local assistance. Better yet, stop by one of our branches for some personal service.