1 server bank credits account that handles all credits for every character made on that server. So for instance your main level 60 has $14,000,000 credits but your level 26 has $12,000 credits and you want some credits on this level 26 so you have to log into your 60 and mail that character your desired amount. Now with the universal account your level 26 will have the $12,000 credits but also the $14,000,000 credits available as well.