Basic Checking

This standard checking account is anything but basic.

Our Basic Checking Account is packed with a ton of helpful features like debit card rewards and unlimited check writing.

Product Features
eStatements

View your account history anytime through eStatements. Paper statements also available.

24/7 Access

Access your account anytime through any of our Smart ATMs, Online and Mobile Banking, or by telephone with Automated Access. The choice is yours.

Account Alerts

Stay on top of your account by text or email with Account Alerts. Monitor your balance, track a deposit, and more.

Nationwide Access

Out-of-town? We have 5,000 CO-OP Shared Branches nationwide for easy access to your money wherever you go.

Insured by NCUA

Rest easy knowing your account is federally insured up to $250,000.

No Minimum Balance

You heard us correctly.

Free Checks

Your first box of checks is free on us. Plus, get unlimited check writing.

Low Service Charge

Low, $6 monthly service charge. Or pay $0 with a relationship.

Optional Overdraft Protection

Review your options to keep your account in the black and you from seeing red.

Debit Card with Rewards

With our free Visa debit card, you can earn rewards on the purchases you make every day.

Enhanced Security

Enhanced debit card security with EMV chip technology.

Additional 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.

Solutions Center
Need Help Finding a Solution?

Answer a few questions and we will find a solution that works for you. It only takes a few seconds.

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Russel D
Member Since 1995
I’ve been a member for years and have used online bill pay for years and its always worked out well for me. Customer service has been very good anytime I call the local office or long distance.
Products this member has used:
John D
Member Since 1997
I am very happy with my Listerhill account. Deposits are credited immediately, service is usually friendly and efficient, there is no long list of hidden fees and I feel like a properly valued customer.
Products this member has used:
Can I Refinance My Car (And Should I?)

Refinancing a car loan involves borrowing another loan to pay off your first one. When you choose to refinance your car, you go through a similar process as you did for the initial financing.

You may wonder, “can I refinance my car”, and naturally, as with any financial decision, there will be benefits and drawbacks to refinancing. We’ll go over those here.

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Is it Better to Lease or Finance a Car?

When it’s time to get a new vehicle, you have to make many decisions. One of those decisions you might have to consider is if it is better to lease or finance a car. While both choices can lead to you securing the vehicle of your dreams, there are advantages and disadvantages associated with each option.

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5 Ways to Save on Vacation Transportation Costs

Question: I’m trying to plan our vacation budget and I’m stuck on transportation costs. Every option is so expensive! How can I save money while traveling on vacation?

Answer: Kudos to you for thinking and planning ahead! Steep cab fees and car rentals are some of the best ways to kill a solid vacation budget, but we’ve got the goods on how to bring transportation costs down. Read on for five ways to get around for less while on your dream vacation.

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Frequently Asked Questions

  • Which loans are eligible for Skip-A-Pay?

    Auto loans, recreational loans, and personal loans that have not had Skip-A-Pay applied to them within the last year are all eligible for Skip-A-Pay. This includes boat loans, RV loans, 4-wheeler loans etc. However, home loans, Christmas loans, credit cards, and other lines of credit are not eligible.


  • When should I request Skip-A-Pay?

    In order to have your Skip-A-Pay request processed before your loan payment is due, please submit your skip request five (5) business days in advance of the scheduled payment date.

    Example: If your next loan payment is due on June 20th, you would need to submit your request no later than June 12th.

    Skip-A-Pay may only be used once a year.

  • How do I request Skip-A-Pay?

    Click here to request Skip-A-Pay, agree to do business electronically, and fill out the online form. You must also provide payment for the $25 fee before your loan payment can be skipped. This fee can be transferred from your Listerhill checking or savings account or paid from an outside account.

  • What is Skip-A-Pay?

    Skip-a-Pay is a service by Listerhill Credit Union which allows members to request to skip a monthly payment. The payment is instead added to the end of a loan, essentially extending the life of the loan by one month. This can be a valuable tool in your financial tool belt.

  • What loans are not eligible for Skip-A-Pay?
    1. Real Estate Loans (1st and 2nd Mortgage and Home Equity Lines)
    2. Business Loans
    3. Lines of Credit (Kwik Kash, Anytime Credit, Overdraft Protection, and Credit Cards)
    4. Christmas Loans
    5. Single Pay Term Loans
    6. Loans with Less than 6 Monthly Payments
    7. Loans Currently Past Due More than 10 Days
    8. Loans that Received Maximum Extensions (six skip pays and/or extensions allowed during the term of the loan)
    9. Workout Loans or Troubled Debt Restructuring (TDR)
    10. Accounts in Bankruptcy
    11. Charged-Off Loans
    12. Loans on Accounts with a Negative Checking or Savings Balance
    13. Accounts with Bad Addresses
    14. Loans that have already had Skip-A-Pay applied to them within the last year.