TOPIC: Business Accounts

501C7 Social Club needs an account that's restricted to get the 501C7 status

VP at a bank ($1.4BUSA)
We have a business who is applying for a 501C7 status and thus needs an account where 85% of their membership dues are restricted from use. The account they open must be restricted in some way so that those funds cannot be used for 6 months. We tried just restricting the account but have been told by bank ops that we cannot use a restriction in that manner. Has anyone come across this type of thing and if so what did you do and if you made the customer sign an agreement what type of agreement did you use.