ALERT
Our branches will be closed on Monday, May 27th for Memorial Day. We will return to our normal operating hours on Tuesday, May 28th.
Financial Literacy

Overdraft Protection

We understand life happens sometimes. That's why we provide ways to keep life going when everything else seems to be going faster.
Overdraft Protection
Safety Net

Get access to funds when you need it most. Safety Net will pay share drafts, point-of-sale, debit, and ACH transactions when no other funding source is available.

Checking account must be brought to a positive balance within 30 days or account will be closed. Not a credit product or line of credit. Subject to credit union guidelines. Opt-in is required for debit card transaction coverage.

Fees/Cost: NSF fees as disclosed in the Rate & Fee Schedule apply.

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Overdraft Protection
Anytime Credit (Line of Credit)

Through Anytime Credit, you can get pre-approved for a line of credit that you can access anytime you need it. Apply only once and whenever you need additional funds, simply transfer the amount you would like by check, by phone, or online. Unlike a typical loan, you make payments only on the credit you’ve actually used.

*Credit limit and interest rate subject to credit approval

Overdraft Protection
Account Transfer From Share Savings

Your checking account is automatically linked to your Share Savings account. Funds are automatically transferred to cover checks and debit card transactions. If no other funding source, such as Anytime Credit, is present on the account, available funds will automatically be transferred from the Share Savings to your Checking account.

Fees/Cost: NSF fees as disclosed in the Rate & Fee Schedule apply.

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Common Links

Frequently Asked Questions

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

    Auto loans, recreational loans, and personal loans are all eligible for Skip-A-Pay. This includes boat loans, RV loans, 4-wheeler loans etc. To learn more about if you have an eligible Skip-A-Pay loan, call us at 256-383-9204 or 1-800-239-6033 to speak with a Member Advocate.

  • 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.

  • How do I request Skip-A-Pay?

    To request Skip-A-Pay, click the "Request Skip-A-Pay Now" button above, 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 we provide to Listerhill members who make six (6) or more on-time payments for their auto loans, personal loans, etc. Members can request Skip-A-Pay, submit a $25 fee, and skip paying on an eligible Listerhill loan twice a year. During more expensive times, like the holidays or the Summer months, Skip-A-Pay can be a great tool that helps keep your payments on time while allowing your family a little extra spending money when you need it.

  • 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