Subalgebras of $C_b(X)$ whose elements do not vanish simultaneously at any point

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Let $X$ be a completely regular space. How can I find all Banach subalgebras of $C_b(X)$ (all complex-valued bounded continuous functions on $X$) with the property that for every $x\in X$ there exists an element of Banach subalgebra that is nonzero at $x$?