A deposit that cannot to be withdrawn or transferred to third parties using some means of instruction (such as checks, telephone transfers, etc). Non-transaction deposits include time deposits and savings deposits. For example, savings deposits allow their holders to withdraw funds after the elapse of a stated period of time (e.g., 30, 60, 90, or 180 days). Non-transaction deposits are, thus, subject to restrictions to the capability of the depositor to transact using them. Such restrictions include transaction limitations and/or transaction fees that act to prevent the deposit account from being used as a primary transactional account.