How is a savings account different from a certificate of deposit account?

A) The owner of a savings account cannot write checks on that account, while one can write checks to access the money in a certificate of deposit account.
B) One can withdraw money from a savings account at any time, while early withdrawals from a certificate of deposit are limited.
C) A savings account can only be opened at a commercial bank, while a certificate of deposit account can only be opened at a savings and loan.
D) A savings account will not accrue interest, while a certificate of deposit account will.