U-WIN is a club account. It is designed to help you save. Like holiday or vacation club accounts, there are restrictions to withdrawing funds. On the first withdrawal you will receive a $10 fee, on the 2nd withdrawal there will be a $25 fee. On the third withdrawal there is no fee, but your account will be closed automatically. One year after you open up a U-WIN account, the money you saved for your future will be automatically deposited into your savings account.