Also referred to as a non-payment account, is a bank account that has restrictions on how funds can be paid in to and out of the account. Examples of non-payment accounts include savings accounts, retirement investment accounts, and fixed-term accounts.

Typically, banks will place a limit on the number of transactions per month from such accounts. Once the limit is reached, the account becomes non-transactional and any attempts to withdraw or transfer money will result in a fee for returned or failed payments.