A deposit account that does not allow funds to be withdrawn or transferred to third parties using some means of instruction (such as checks, telephone transfers, etc). Nontransaction accounts 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). Nontransactional deposit accounts are, thus, subject to restrictions to the capability of the depositor to transact using it. Such restrictions include transaction limitations and/or transaction fees that act to prevent the deposit account from being used as a primary transactional account.