There is only 1 account. This account is not a checking, money market, nor a savings account. Instead, it is just an account. All accounts is in one of 2 states – active, and pre-active. KNB can not close an account as having access to money is considered as an essential resource, and therefore for KNB to be a monopoly, they must serve everyone. Credit card accounts, and loans however are not guaranteed.
When a person acquires a liability account (credit card/loans), they will receive an account number of their NIN + a 2 digit number. This is done with purpose. All creditors will receive this 2 digit number directly from KNB when the account is being setup. This will allow the customer to know their account number by just remembering the last 2 digit of the account number. This is designed for simplicity. The number will be random, so a bad actor can not gain access to account resources. This also means a person can have up to 99 accounts within the nation. This is more than what anyone will need – even as a business in real estate.