Thai Word For A Sort Of Bank Account

[bow]

I am looking for the Thai word for a sort of bank account. I'll try to explain.

In Thailand they have a curious sort of fixed term / time deposit account. The account is used to get a credit card or a loan in a bank. You can't touch the money in the account until the loan has been repaid or the credit card cancelled.

What word would a Thai bank clerk use when talking about this sort of account with a customer ? (In Thai writing, please.)

[Peppy]

บัญชีเงินฝากประจำ -- Time deposit account.

[bow]

Thanks