A deposit to a bank or other financial institution permitted by law to take deposits from the general public ('depository institution') creates the relationship of debtor and creditor between the depositor and the depository institution. All such deposits are general deposits unless there is a written agreement between the depositor and the depository institution which provides therein that the deposit is to be paid only to a particular identified or identifiable person or that the deposit is made and payable only for a specific and particular purpose. This section shall not affect accounts labeled 'escrow' or 'trust.'Alabama Legal Code