A deposit is a special deposit if the deposit is:
(1) a deposit of funds in a bank under an account agreement;
(2) for the benefit of at least two beneficiaries, one or more of which may be a depositor;
(3) denominated in a medium of exchange that is currently authorized or adopted by a domestic or foreign government;
(4) for a permissible purpose stated in the account agreement; and
(5) subject to a contingency.