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Momentum Checking – 1.05% APY*

1.05% 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 4/20/2022. APY of 0.50% will be paid on daily collected balances over $30,000. Rate may change after account is opened and without notice. $100 minimum opening deposit is required. Fees may reduce earnings. APY guaranteed until 12/31/2022. **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, Have at least 1 automatic payment or direct deposit post and settle 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%. Limited time offer. Certain terms, conditions, and exclusions may apply. Please refer to the Truth in Savings disclosure for more information.

See a customer service representative for non-promotional interest rates and balance tiers after promotion expires.

Offer valid to Birmingham area residents only. Member FDIC.

Additional Birmingham Specials

4.50% APR*
Rates as low as prime minus a quarter for 10 years

Home Equity Line of Credit 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% with a current minimum APR of 4.50% and maximum APR of 18.00%. Current APR as of 6/16/2022. 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.

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