My Good Alpo -
"special accounts" are typically accounts like "christmas club" accounts, or accounts for children that are not "regular accoounts"
here are two examples of "special accounts" at a couple of institutes available in the U.S.:
https://www.cefcu.com/personal/save-and-spend/special-accounts.html Special Accounts
Check out special options for specific needs.
Enjoy additional federal deposit insurance and name beneficiaries for your Totten Trust account.
Uniform Transfer To Minor
Designate a custodian and transfer funds to a minor with the Uniform Transfer to Minor account.
Set up a CEFCU account for your club or organization.
For personal service getting started with a special account, chat with us during business hours.
Holiday Club & Special Accounts
We offer accounts that can be opened for a variety of special circumstances,
including accounts held for minors and other beneficiaries, accounts for clubs,
and holiday accounts.
Depending upon the features of the account, may be opened as a savings, checking,
tiered money market, or certificate account.
hope this helps