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Support

We're here when you need us.

As a financial cooperative, you're more than a customer, you're a member. This means we make sure you can speak to a live person when you need to. We've organized a team of experienced Contact Center Representatives to help you find a quick solution while always giving local, friendly service.

Contact Center

Questions about your account? Talk with a live, experienced Contact Center Representative six days a week.

Contact Center Hours

Monday–Friday 8:00am-5:00pm
Saturday 8:30am-12:00pm
Sunday Closed

Frequently Asked Questions

Cards

  • How do I report a lost or stolen debit or credit card?

    Report a lost or stolen debit card by calling 1-888-918-7819. Report a lost or stolen credit card by calling 1-800-449-7728. Both phone numbers are available 24 hours a day.

  • I'll be traveling soon, will my debit or credit card work?

    To ensure that your debit or credit card will not be flagged while traveling, call 256-383-9204 or 1-800-239-6033 and let one of our contact center representatives know where you will be traveling to and how long your trip will be.

  • How can I make a credit card or loan payment from a different financial institution?

    To make a payment from a different financial institution, you can log into Online Banking, use our credit card mobile app, or call the Contact Center to make a payment for a credit card bill or loan.

Careers

  • Do you have any jobs open?

    All career opportunities with the credit union are posted in the Careers page, located at the bottom of every page.

Checks

  • Do you have mobile deposit for checks?

    Yes! You can learn about how to use mobile deposit by logging into online banking and clicking Mobile Deposit. There, you will find step-by-step instructions on how to deposit your checks with your phone. 

  • Are checks free?

    Depending on the type of account you have, free checks is one of our many benefits. If you have a Pick 5, Young At Heart, or Hill Checking Account, you have access to free checks. 

  • How do I order checks?

    Order checks quickly and easily by hovering over Everyday Banking in the menu at the top of the website and click Order Checks. It will take you to our partner's website, Deluxe, where you can order new checks.

Community

  • How do I request a donation from Listerhill?

    To request a donation for a community event, please click Community at the top of the website and scroll down the page until you see the Request a Donation button on our page.

eStatements

  • How do I sign up for eStatements?

    To register for eStatements, log into your online banking account and click on either your Checking or Savings Account. Then click "Statements" on the right hand side of the page. If you are not enrolled, you will then be guided through registration.

  • How do I find my eStatements?

    To access your eStatements, log into your online banking account and click on either your Checking or Savings Account. Then click "Statements" on the right hand side of the page.

Locations

  • Which holidays are you closed?

    We are closed on most major U.S. Federal Holidays. Our holiday hours can be found by clicking the Holiday Hours link toward the bottom of the Locations page.

  • What are your hours?

    Hours for every branch are located on our Locations page, located at the top of the website. Click on the branch that you wish to visit to learn its hours.

  • Where are you located?

    The address for each branch is located on our Locations page, located at the top of the website. To find the branch closest to you, click "Allow" when prompted for access to your location through your browser.

Online Banking

  • How do I sign up for Online Banking?

    Click the Login button at the top of the website. When the login box pops up, click Sign Up, located just underneath the Login button in the pop-up box.

Repos

  • Where are the repos?

    You can find our repos by scrolling to the bottom of the website and clicking Pre-Owned Vehicles and Foreclosures.

Routing Number

  • Where do I find Listerhill's routing number?

    Listerhill's routing number is 262277011. You can find our routing number anytime by scrolling to the bottom of the website. It is located next to our Main Office address.

Gift Cards

  • What is the Visa Gift Card?

    Your Listerhill Credit Union Visa Gift Card is a prepaid Visa Debit Card with a specific dollar value. Your Visa Gift Card and its value are accepted at most places Visa Debit is accepted.

  • Do I need to Activate my Gift Card before I use it?

    Your Listerhill Credit Union Gift Card is not active when you receive it. To activate the card, call 1-866-902-6082 or visit www.listerhill.com/giftcard.

  • How can I check the balance on my Gift Card?

    Call the number on the back of your card for balances and transaction history or visit www.listerhill.com/giftcard.

  • What should I do if my Visa Gift Card is lost or stolen?

    Contact Listerhill Credit Union Visa Gift Card Center immediately at 1-866-902-6082. Additionally, read our Visa Gift Card Terms and Conditions for important Visa Gift Card information.

  • What happens when the funds are spent?

    When you have depleted all the funds on the card and no returns are necessary, simply destroy and discard the card.

  • What do I do if I need to return an item?

    In the event you need to return an item you purchased with your Visa Gift Card, the merchant will handle the item in accordance with Visa guidelines. The merchant may credit your card (put the funds back on the card) thereby increasing your available funds.

  • What if the item I want to purchase exceeds the value of my Gift Card?

    If the purchase amount exceeds the available card balance, then you must inform the merchant of the amount you want to pay with the Visa Gift Card and that you will pay the difference in cash, check, credit or debit card. If the purchase amount exceeds the available balance of the Visa Gift Card, the transaction will not be approved.

  • What should I do when the merchant’s sales terminal asks me to press “Debit” or “Credit”?

    You should always press the “Credit” button. Although the Visa Gift Card is not a credit card, the transaction is processed like one. You should always sign a sales receipt.

  • When I swipe my card, the terminal asks me input my PIN. What is my PIN?

    A Personal Identification Number (PIN) is available by calling 1-866-902-6082 or at www.listerhill.com/giftcard.

Smart ATMs

  • 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.

Skip-A-Pay

  • 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 $35 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 29 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.

Credit Card Rewards

  • What if I need to speak with someone about my Cash Rewards?

    Please call us at 800-239-6033 to speak with one of our representatives.

  • What are my credit card benefits?

    Not only do we offer the most competitive rates around with no annual fee, but we also provide several tools to help you get the most benefits from your Listerhill credit card. Go here to see a full list.

    (Need to review the card agreement? Go here to review our Consumer Credit Card Agreement and Disclosure.)

  • How can I spend or redeem my Cash Rewards?

    You can choose to apply your Cash Rewards as a statement credit or have the balance deposited into your Listerhill Share Savings Account. You may do so whenever you have a Cash Rewards balance (minimum of $5) in your CURewards account.

  • Where do I go to view my Cash Rewards?

    If you are already signed up for Online Banking but have not added your credit card, log in to your account and click the Contact Us link at the top right of the page. Then, under All Services & Settings/Preferences/Online Accounts, click Add Account, fill in your card number, add a nickname, and then select Credit Card under Account Type. Then hit Add Account(s).

    It should take no longer than one (1) business day for your new card to appear in Online Banking.

    (Don't have Online Banking? Go here to sign up.)

    Once your card appears in Online Banking in the Home/Money I Owe section, click on the account and then click Get Info under More Details & Routing Numbers. This will take you to the Account Home for your credit card. Here, you can sign up for eStatements, make a payment on your credit card, or view your transactions. To set transaction alerts, enable travel notifications, or report a lost or stolen card, please use our new cards app. Please go here for more information. 

    From Account Home, click the CURewards link on the right to review your Cash Rewards info. Then click on the CURewards link again to go directly to the site where you can choose how you wish to redeem your Cash Rewards (deposit to your Listerhill account or apply to your statement).

    Your initial Cash Rewards balance was deposited into your Listerhill Share Savings Account on August 1. We will continue to deposit your Cash Rewards into your Listerhill Share Savings Account once per year on December 1 unless you choose to redeem them yourself.

    (Don't want to go through Online Banking? Go here to register your card through CURewards.)

LCU Cards App FAQ's

  • What if I need help using the app?

    To get answers to your questions about the app, you can give one of our customer service representatives a call at 800-239-6033

  • How do I register for the credit card app?

    First, you want to download the app from the iTunes or Google Play store. Then you can register your card from your phone. You will need to create a user ID and password and answer security questions.

  • How do you use the information that I provide during registration?

    When you provide information during registration, we verify your identity to validate your account. We only store your security question, security answer, user ID, and password in our system.

  • Which phone carriers are supported?

    Our app supports all of the major US wireless phone carriers, including Sprint, T-Mobile, and Verizon.

  • How much does the app cost?

    We do not charge a fee to use the app, though keep in mind that you might be responsible for charges associated with your phone data usage.

  • How do I view my transactions in the LCU Cards app?

    Once your card is entered into the app, you can tap on the card image to view transactions.

  • Can I see my checking account balance on my debit card?

    No, but you can view pending or posted transactions on your debit card through the app. You can find your checking account balance through Online Banking or through the Listerhill app.

  • How do I add another card to the LCU Cards app?

    Swipe left to enter a new card once you have entered your first card.

  • How do I remove a card from the LCU Cards app?

    Tap on the top right of the card image (Card Settings). There, you can set a card nickname, make the card your default card, or choose to remove the card.

Cash Back Credit Card

  • What is better cash back or points?

    Cash back and points offer their own set of benefits. You have more flexibility with what you can do with your cash back reward, and you can use points for specific benefits. Ultimately, it depends on your preferences.

  • Why do credit cards offer cash back?

    Credit card companies can offer cash back because merchants that accept payments via credit card have to pay a percentage of the transaction fee to the credit card company. In this case, the credit card company can decide to share the merchant fee with you in the form of a cash back offer. 

  • How does a cash back credit card work?

    Our cash back credit card gives you a flat rate of 1% back on all of your purchases. It acts as a rebate that you can redeem for cash as a statement credit or direct deposit in your account.

  • Is it worth getting a cash back credit card?

    If you can find one that also offers a low-interest rate, it’s worth getting a Visa cash back credit card. When you use a cash rewards credit card, you get rewarded for making everyday purchases. As long as you practice good spending habits, you’ll enjoy the benefits.

  • How soon can I redeem my Cash Rewards?

    You can begin redeeming your Cash Rewards as soon as they are available in your Rewards account! You can redeem them as often as you choose or you can have us redeem them for you automatically by depositing the Cash Rewards into your Listerhill Share Savings Account annually (by December 1).

Loans That Pay Back

  • What if I just refinance my Listerhill loan?

    If you refinance your existing Listerhill loan (for example, to get a better rate if your credit score has improved), the loan would not be eligible for the giveback unless you add at least $2,500 to the amount of your loan. Please contact a Member Advocate to discuss your options.

  • How long will Listerhill offer the cash giveback?

    The cash giveback is available on eligible loans between Monday, April 6 and Monday, August 31. However, Listerhill reserves the right to change the ending date at any time.

  • What loans are not eligible for the cash giveback?

    Credit cards, shared-secured personal loans, lines of credit, indirect (dealer) loans, commercial loans, mortgage loans, and HELOCS. The giveback also does not apply to deposit products, like savings and checking accounts.

  • What loans are eligible for the cash giveback?

    The cash giveback only applies to new unsecured personal, auto, and recreation loans. The minimum loan amount is $2,500. 

  • How long must the loan stay open until I can pay it off and still keep the giveback?

    90 days. If you pay off your loan prior to this period, your giveback will be added back to the payoff amount.

Merchandise Rewards

  • What are my credit card benefits?

    Not only does Listerhill Credit Union offer the most competitive rates available with no annual fee, but we also provide several tools to help you get the most out of your Visa Platinum Rewards card. Click here to see a full list.

  • What if I need to speak with someone about my rewards?

    Please call us at 800-239-6033 to speak with one of our representatives.

  • How do I open my credit card?

    To open your credit card, you can apply online or give us a call at 800-239-6033 to speak with one of our credit specialists.

  • How do I qualify for a Visa Platinum Rewards card?

    To qualify for a credit card, you will need to provide information related to your employment, along with permission for us to perform a credit check. If you have the income and financial background to support additional credit, you should qualify. If not, we will advise you as to why your application was denied. 

  • Are my rewards points transferable?

    No, points are not transferable.

  • What interest rate will I get?

    Your interest rate will be determined after you submit your application. Many factors, including your credit score, help to assess your interest rate.

  • How do I earn points?

    You earn one point for every dollar you spend on eligible purchases with your Visa Platinum Rewards credit card. We keep track of your points and include your balance on your monthly account statement so you know where you stand.

  • What is a Visa Platinum Rewards Credit Card?

    A Visa Platinum Rewards credit card is designed to provide you with the opportunity to earn rewards with each use.

SBA Paycheck Protection Program

  • When can I apply?
    • Starting April 3, 2020, small businesses and sole proprietorships can apply for and receive loans to cover their payroll and other certain expenses through existing SBA lenders. 
    • Starting April 10, 2020, independent contractors and self-employed individuals can apply for and receive loans to cover their payroll and other certain expenses through existing SBA lenders.
  • Who can apply?

    All businesses - including nonprofits, veterans organizations, Tribal business concerns, sole proprietorships, self-employed individuals, and independent contractors - with 500 or fewer employees can apply. Businesses in certain industries can have more than 500 employees if they meet applicable SBA employee-based size standards for those industries. 

  • What do I need to apply?

    You will need to complete the Paycheck Protection Program loan application and submit the application with the required documentation to us by June 30, 2020.

  • What other documents will I need to include in my application?

    You will need to provide payroll documentation. 

  • Do I need to first look for other funds before applying to this program?

    No. The usual SBA requirement that you try to obtain some or all of the loan funds from other sources has been waived. 

  • How long will this program last?

    Although the program is open until June 30, 2020, we encourage you to apply as quickly as you can because there is a funding cap and we need time to process your loan. 

  • How many loans can I take out under this program?

    Only one. 

  • What can I use these loans for?

    You should use the proceeds from these loans on your:

    • Payroll costs, including benefits
    • Interest on mortgage obligations, incurred before February 15, 2020; 
    • Rent, under lease agreements in force before February 15, 2020; and 
    • Utilities, for which service began before February 15, 2020. 
  • What counts as payroll costs?

    Payroll costs include: 

    • Salary, wages, commissions, or tips (capped at $100,000 on an annualized basis for each employee); 
    • Employee benefits including costs for vacation, parental, family, medical, or sick leave; allowance for separation or dismissal; payments required for the provisions of group health care benefits including insurance premiums; and payment of any retirement benefit; 
    • State and local taxes assessed on compensation; and
    • For a sole proprietor or independent contractor: wages, commissions, income, or net earnings from self-employment, capped at $100,000 on an annualized basis for each employee. 
  • Does the PPP cover paid sick leave?

    Yes, the PPP covers payroll costs, which include employee benefits such as costs for parental, family, medical, or sick leave.

  • How large can my loan be?

    Loans can be for up to two months of your average monthly payroll costs from last year plus an additional 25% of that amount. That amount is subject to a $10 million cap. If you are a seasonal or new business, you will use different applicable time periods for your calculation. Payroll costs will be capped at $100,000 annualized for each employee. 

  • How much of my loan will be forgiven?

    You will owe money when your loan is due if you use the loan amount for anything other than payroll costs, mortgage interest, rent, and utilities payments over the 8 weeks after getting the loan. Due to likely high subscription, it is anticipated that not more than 25% of the given amount may be for non-payroll costs.

    You will also owe money if you do not maintain your staff and payroll.

    • Number of Staff: Your loan forgiveness will be reduced if you decrease your full-time employee headcount.
    • Level of Payroll: Your loan forgiveness will also be reduced if you decrease salaries and wages by more than 25% for any employee that made less than $100,000 annualized in 2019. 
    • Re-Hiring: You have until June 30, 2020 to restore your full-time employment and salary levels for any changes made between February 15, 2020 and April 26, 2020.
  • How can I request loan forgiveness?

    You can submit a request. The request will include documents that verify the number of full-time equivalent employees and pay rates, as well as the payments on eligible mortgages, lease, and utility obligations. You must certify that the documents are true and that you used the forgiveness amount to keep employees and make eligible mortgage interest, rent, and utility payments. A decision will be made on the forgiveness within 60 days. 

  • What is my interest rate?

    1.00% fixed rate. 

  • When do I need to start paying interest on my loan?

    All payments are deferred for 6 months; however, interest will continue to accrue over this period. 

  • When is my loan due?

    In 2 years. 

  • Can I pay my loan earlier than 2 years?

    Yes. There are no prepayment penalties or fees.

  • Do I need to pledge any collateral for these loans?

    No. No collateral is required. 

  • Do I need to personally guarantee this loan?

    No. There is no personal guarantee requirement. 

  • What do I need to certify?

    As part of your application, you need to certify in good faith that: 

    • Current economic uncertainty makes the loan necessary to support your ongoing operations. 
    • The funds will be used to retain workers and maintain payroll or to make mortgage, lease, and utility payments. 
    • You have not and will not receive another loan under this program.
    • You will provide documentation that verifies the number of full-time equivalent employees on payroll and the dollar amounts of payroll costs, covered mortgage interest payments, covered rent payments, and covered utilities for the eight weeks after getting this loan.
    • Loan forgiveness will be provided for the sum of documented payroll costs, covered mortgage interest payments, covered rent payments, and covered utilities. Due to likely high subscription, it is anticipated that not more than 25% of the forgiveness amount may be for non-payroll costs. 
    • All the information you provided in your application and in all supporting documents and forms is true and accurate. Knowingly making a false statement to get a loan under this program is punishable by law. 
    • You acknowledge that we will calculate the eligible loan amount using the tax documents you submitted. You affirm that the tax documents are identical to those you submitted to the IRS. And you also understand, acknowledge, and agree that we can share the tax information with the SBA's authorized representatives, including authorized representatives of the SBA Office of Inspector General, for the purpose of compliance with SBA Loan Program Requirements and all SBA reviews. 

Business Credit Card

  • What can I expect in regard to credit limit?

    The credit limit on your Listerhill business credit card will be dictated by numerous factors, including your current debt-to-income ratio. Although there is no single answer to this question, it is worth noting that small business owners in 2016 had a median total credit limit of $56,100 across all of their credit cards. If you are concerned about the credit limit you are granted, our account representatives are here to provide you with assistance. 

    Your credit limit may also be affected by your personal credit score. If your FICO score is below a certain threshold, you could find yourself with a lower credit limit than you would like. The good news is that there are many steps you can take to improve your FICO rating, ultimately increasing your credit limit over time.

  • Will my personal credit be impacted?

    Generally, business owners’ personal credit scores are not affected by business credit card applications. Talk to your Listerhill Credit Union representative if you have any questions regarding your personal credit score and how it could be impacted. 

    It is important to note that if your Listerhill business credit card activity does appear on your personal credit report, there will be no differentiation between the two. In other words, business expenditures will be treated the same as personal purchases by the credit bureaus. Thus, it is crucially important to keep your new business Visa in good standing.

  • Why should I choose the Listerhill Business Credit Card?

    We know you have a lot of choices when it comes to applying for a business credit card. At Listerhill Credit Union, we take pride in providing our clients with more benefits than they can count! First and foremost, you will have access to the best customer service in the industry. You are more than a number to us and we will always be here to provide you with the assistance you need.

    We also provide our clients with peace of mind if their Visa cards become lost or stolen. Whether you drop your card while running errands locally or it gets stolen on an overseas business trip, our team is here to make sure you are taken care of. 

    Finally, the advantages of the Listerhill Business Visa itself are worth the application. Our rates and fees will always remain competitive, so you can trust you’re never paying too much for your business expenses. You will also earn the aforementioned rewards on eligible purchases every time you use your card.

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Frequently Asked Questions

  • What if I need help using the app?

    To get answers to your questions about the app, you can give one of our customer service representatives a call at 800-239-6033

  • How do I register for the credit card app?

    First, you want to download the app from the iTunes or Google Play store. Then you can register your card from your phone. You will need to create a user ID and password and answer security questions.

  • How do you use the information that I provide during registration?

    When you provide information during registration, we verify your identity to validate your account. We only store your security question, security answer, user ID, and password in our system.

  • Which phone carriers are supported?

    Our app supports all of the major US wireless phone carriers, including Sprint, T-Mobile, and Verizon.

  • How much does the app cost?

    We do not charge a fee to use the app, though keep in mind that you might be responsible for charges associated with your phone data usage.