Commercial & Private Banking

Commercial Banking

Fully versed in the financial complexities of commercial, industrial, and professional businesses, your Oakworth Client Advisor meets with you, the business owner/partner to understand completely your unique needs, then coordinates a deeply experienced, multidisciplinary team of financial experts to create a tailored set of strategies. The personal assets of our clients are often inextricably intertwined with their business. By bringing our substantial experience to bear, we can offer unique integrated solutions to manage both corporate and personal financial growth.

Private Banking

While the term “private banking” connotes a level of service afforded only to the very, very wealthy, at Oakworth Capital it simply reflects the degree to which we build our relationships with our clients. We treat you as an individual not simply as an account holder. While the distinction may seem trivial – to us it makes all the difference in the world. One is what you’d expect from public banking – the other is what you’d expect from Oakworth.

What Our Banking Clients Are Saying

Our Commercial & Private Banking Services

Deposit Services


  • Checking
  • Money Market
  • Savings
  • Certificate of Deposit


Lending Services


  • Working Capital Lines of Credit
  • SBA Lending
  • Equipment Financing and Leasing
  • Owner Occupied Real Estate
  • Investment Property


  • Lines of Credit
  • Home Equity Lines/Loans
  • Construction Loans
  • Margin Loans/Lines

Treasury Management Services

  • Sweep Accounts
  • Online Banking/Bill Payment
  • Debit Cards
  • ACH/Direct Deposit
  • Zero Balance Accounts
  • Positive Pay
  • Wire Services
  • Remote Deposit
  • Travel Cards
  • Gift Cards
  • Lock Box Services
  • Corporate Credit Cards

Insights from Our Financial Experts

A Loss in December Could Lead to a Win in April – Tax-Loss Harvesting

December 5, 2022

When it comes to their portfolios, investors hate to take losses. But sometimes a loss could be just what the CPA ordered. As we wrap up a...

5 Year-End Tax Planning Strategies

December 5, 2022

The end of the year is quickly approaching, and as people turn their attention to holiday celebrations with friends and family, taxes are...

The Housing Market: Is It Time to Worry?

February 9, 2022

Although it has been well over a decade ago, the bursting of the US housing bubble from 2007-2009 still looms large in the minds of many...