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Deposit Accounts

Please reference our Account Comparison Chart for a convenient overview of fees, charges and further details on checking, money market and savings accounts.

Checking Accounts


Personal Checking

This account combines the convenience of unlimited check writing with NO monthly or per-item fees! And, the paper statement fee may be avoided by electing online e-statements.

Woodward Checking

This checking account not only pays interest, but also has the following special features: ATM fee reimbursement up to $30 per statement cycle, free order of Bank of Birmingham checks every year.

Gold Checking

Who says getting older doesn’t have its benefits? This checking account is designed for customers who are 50 or older: no monthly maintenance or per-items fees, and free order of Bank of Birmingham checks every year!

All of the Bank’s checking accounts provide the following free services: Online Banking, Bill Pay, Mobile Banking and Mobile Deposit.


Money Market*

You have worked hard to accumulate your savings, now let your money work hard for you. This all-in-one account allows you to enjoy the benefit of higher interest rates and the liquidity of a savings account, with check writing capability. The following services are free to Money Market Accountholders: Online Banking, Bill Pay, Mobile Banking and Mobile Deposit.


Savings Accounts*


Personal Savings

This account is ideal for individuals or families who wish to put excess funds aside without being concerned about maturity dates, as with certificates of deposit.

Minor Savings

If your child can write his or her name in cursive, this account is a smart way to teach a child to save. No required balances; no maintenance or transaction fees. At least one adult must be a co-owner on the account.

IRA Savings


Planning for your retirement is important. With our IRA Savings Account, you may realize the benefit of tax savings without having to set a maturity date.

Note: Consult your tax advisor for IRA eligibility rules and your individual circumstances.

Online Banking, Mobile Banking and Mobile Deposit are available for all of the Bank’s Savings Accounts with the exception of IRA Savings.

* An excess transaction charge of $10 may apply for each third-party withdrawal in excess of six per month.


Certificates of Deposit

The Bank’s Regular and IRA Certificates of Deposit are alternatives to traditional savings accounts. CDs allow you to invest your money for the time period of your choice; a convenient way to receive higher returns.

Note: A penalty may be imposed for early withdrawal.