Best Banks in Birmingham, AL

Compare 7 banks companies serving Birmingham, Alabama. Average rating: 4.2/5.

7 Companies 7 Rated Payday: Legal

Alabama Lending Regulations

Alabama consumers are protected under the Alabama Mini-Code, which regulates consumer credit sales and loans. Payday lending is legal but regulated, with a maximum loan of $500 and a fee cap of 17.5% per $100. Consumers have the right to file complaints with the State Banking Department or the Attorney General's office.

Usury cap: 8% default rate; payday loans capped at 17.5% per $100 advanced ($500 max loan) Agency: Alabama Attorney General Consumer Protection Division

Top-Rated Banks

Bhm Bank logo

Bhm Bank

FDIC-insured community bank based in Birmingham, AL offering personal and business banking with online and mobile services designed around local community investment.

4.2/5
Contact BBB:

Best for: Birmingham-area residents and businesses who prioritize community investment and local economic impact, Small business owners seeking relationship banking with lenders who understand local market conditions

First Us Bank logo

First Us Bank

FDIC-insured community bank operating in AL, VA, and TN offering personal and business checking, savings, lending, and digital banking solutions.

4.2/5
Contact BBB:

Best for: Community bank customers in Alabama, Virginia, or Tennessee seeking FDIC-insured deposits, Small business owners needing merchant card processing and cash management tools

Oakworth Capital Bank logo

Oakworth Capital Bank

Oakworth Capital Bank is an FDIC-insured regional bank offering commercial banking, wealth management, and advisory services with emphasis on personalized client relationships.

4.2/5
Contact BBB:

Best for: Closely held business owners and entrepreneurs needing specialized commercial banking guidance, High-net-worth individuals seeking personalized wealth management and estate planning services

Regions Bank logo

Regions Bank

Regions Bank is a full-service regional bank offering checking, savings, mortgages, credit cards, and personal loans across 1,200+ branches, with FDIC insurance and digital banking tools.

4.2/5
Contact BBB:

Best for: Customers seeking traditional banking with convenient local branch access, First-time homebuyers exploring mortgage and refinancing options

Servisfirst Bank logo

Servisfirst Bank

ServisFirst Bank is an FDIC-insured regional bank offering commercial, personal, and correspondent banking services with $17.73B in total assets.

4.2/5
Contact BBB:

Best for: Small to mid-sized business owners seeking dedicated relationship banking and commercial lending, Companies needing comprehensive Treasury Management and cash flow optimization solutions

Southpoint Bank logo

Southpoint Bank

Unable to verify company details due to website access restriction (403 Forbidden error). Cannot confirm Southpoint Bank's current operations or services.

4.2/5
Contact BBB:

Best for: Local banking with personal service, FDIC-insured deposits

All Banks in Birmingham (7)

Bhm Bank logo

Bhm Bank

FDIC-insured community bank based in Birmingham, AL offering personal and business banking with online and mobile services designed around local community investment.

4.2/5
Contact BBB:

Best for: Birmingham-area residents and businesses who prioritize community investment and local economic impact, Small business owners seeking relationship banking with lenders who understand local market conditions

First Us Bank logo

First Us Bank

FDIC-insured community bank operating in AL, VA, and TN offering personal and business checking, savings, lending, and digital banking solutions.

4.2/5
Contact BBB:

Best for: Community bank customers in Alabama, Virginia, or Tennessee seeking FDIC-insured deposits, Small business owners needing merchant card processing and cash management tools

Oakworth Capital Bank logo

Oakworth Capital Bank

Oakworth Capital Bank is an FDIC-insured regional bank offering commercial banking, wealth management, and advisory services with emphasis on personalized client relationships.

4.2/5
Contact BBB:

Best for: Closely held business owners and entrepreneurs needing specialized commercial banking guidance, High-net-worth individuals seeking personalized wealth management and estate planning services

Regions Bank logo

Regions Bank

Regions Bank is a full-service regional bank offering checking, savings, mortgages, credit cards, and personal loans across 1,200+ branches, with FDIC insurance and digital banking tools.

4.2/5
Contact BBB:

Best for: Customers seeking traditional banking with convenient local branch access, First-time homebuyers exploring mortgage and refinancing options

Servisfirst Bank logo

Servisfirst Bank

ServisFirst Bank is an FDIC-insured regional bank offering commercial, personal, and correspondent banking services with $17.73B in total assets.

4.2/5
Contact BBB:

Best for: Small to mid-sized business owners seeking dedicated relationship banking and commercial lending, Companies needing comprehensive Treasury Management and cash flow optimization solutions

Southpoint Bank logo

Southpoint Bank

Unable to verify company details due to website access restriction (403 Forbidden error). Cannot confirm Southpoint Bank's current operations or services.

4.2/5
Contact BBB:

Best for: Local banking with personal service, FDIC-insured deposits

Commerceone Bank logo

Commerceone Bank

CommerceOne Bank offers personalized private and commercial banking services with emphasis on responsive customer service, online platforms, and relationship-based financial solutions.

4.1/5
Contact BBB:

Best for: Small to mid-sized business owners seeking personalized treasury and commercial banking services, High-net-worth individuals wanting relationship-based private banking with dedicated support