Depending on the type of job you have and the amount of money you make, you may only qualify for certain types of accounts, e.g. credit cards. (creditrepair.org)
Some accounts have limits on how much you can put in, and there are rules about what types of investments you can hold in certain types of accounts. (thecollegeinvestor.com)
Another option for certain types of accounts is to put a freeze on the account. (raleigh-divorce-lawyers.com)