2 points -1)  $100 in the bank is nothing, no need to move to a different bank for a higher interest rate.  You could probably go to a water fountain or find money on the floor if you looked hard enough.  The threshold should be at least $1,000.   
2)  Please remember to pay off higher interest debts first, not necessarily HELOCs, or LOCs.   I know a lot of people know this basic information but obviously some readers will not.