Use an ordinary Deposit account to manage the money you need for monthly expenses. Save for purposes such as vacation, insurances, taxes, car repairs in special deposit accounts. Ask a teller to open one or more special deposit accounts for you. Name them for your purpose–eg. Education, Vacation etc.
Note: All members/depositors are required to complete a Declaration of Source of Funds (DSF) form for ALL deposits of $10,000 and over, or on any lesser amount as determined by the Credit Union.