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Momentum Checking – 2.30% APY*

2.30% APY* on daily collected balances up to $30,000**


  • Unlimited ATM fee reimbursement per statement cycle
  • Free online banking and bill pay
  • Free e-statements
  • Free ATM/Debit Card

Momentum Checking Disclosure:

*Annual Percentage Yields (APY) effective as of 10/6/2022. $100 minimum opening balance. APY of 0.90% will be paid on daily collected balances over $30,000. Fees may reduce earnings. APY guaranteed until 12/31/2023. Rate may change at that time or any time thereafter without notice. **Qualifications are required per statement cycle. The Qualifications are: Have at least 6 debit card point of sale purchases post and settle per statement cycle (ATM withdrawals and ATM processed transactions do not count towards qualifying debit card transaction), Be enrolled and receive electronic statements, Have at least 1 bill per statement cycle paid through online bill pay, Send or receive at least one Automated Clearing House (ACH) transaction (debit or credit) per statement cycle. All qualification transactions must be posted to and settle the account during the statement cycle. If requirements are not met, the rate will revert to default rate of 0.10%. Account’s first order of standard (non-customized) checks are free. Debit card is subject to approval. Limited time offer. Certain terms, conditions, and exclusions may apply. Please refer to the Truth in Savings disclosure for more information.

Offer valid to Birmingham area residents only. Member FDIC.




Additional Birmingham Specials

6.00% APR*
Rates as low as prime minus a quarter for 10 years

Home Equity Line of Credit Disclosure:

Disclosure: *APR = Annual Percentage Rate. Rates subject to change without notice. Variable rate with the APR equal to NY Prime Rate at that time minus 0.25% (current APR 6.00% as of 10/3/22) with a minimum APR of 2.50% and maximum APR of 18.00%. Offer valid until 12/31/2022. Interest only or 2% of outstanding principal balance plus interest payment options available. With either of these options, a balloon payment equal to the outstanding principal balance at maturity and any unpaid interest will result. Term of HELOC is 120 months. Minimum line of credit amount is $25,000. No annual fee. One time documentation fees of $150 to $300 may be charged. Estimated closing costs of $1,194.90 to $4,098.28. Adequate property insurance on all real estate collateral is required. Consult your tax advisor regarding interest deductibility. All loans subject to credit approval. Limited time offer. See Bank for full details. Offer valid only at Birmingham locations.