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银行账户担保是指债务人或第三方庆素以其银行账户表扬的财产权为目标向债权人提供担保债权实现的担保方式来自，债权人以此担保方式获得的担保物权是账户质量权。

银行账户是会计概念，本身没有价值和交换价值，不能作为当铺的目标。具有价值的是银行账户中的资金，因此银行账户质押的实质是查话以银行账户中的资金作为质押。

但是，由于会计资金流动，没有特定性，中国法律没有明确承认浮动担保制度，同时银行对账户资金的监督力有限，无法控制，也不符合担保目来自标的特定性要求。

因此，从当铺的角度来看，银行账户的当铺不构成严格意义上的当铺方式。

《个人定期存单质押贷款办法》第二条