I think the answer to this question should vary from one county to another, because here in Nigeria, bank accounts are sub divided into more than 3 categories, that is;
1. A kid's bank account, which could accumulate a highest amount from. #10 to #100,000 Naira, with a daily transaction limit of #10,000.
2. A teenager's bank account, which could afford amount from #100,000 to #1million Naira, and lastly
3. An adult or business bank account, which could accumulate from #1million and above (i.e unlimited).
Banks have stopped using the terms; Kid's, teenager and adult account because some people who opened up their accounts when they were teenagers forget to go for upgrades on their account to increase their bank limits when they turn into adults.
Banks now call them "tiers" or "levels". As someone who has a bank account you should know the account level your account is on so that you know the restrictions and limits on your account. If your account is not on a level high enough to accept a big amount of money and you do not want problems you can simply just get someone trusted who has a company account or an account with a higher level or tier so that you can receive your money without any bank challenges or problems.
@OP, the person you are trading with also has to be careful with the description they use in the transaction.