I have a savings account.
( I ( ( have ( a ( savings account ) ) ) . ) )
(ROOT (S (NP (PRP I)) (VP (VBP have) (NP (DT a) (NNS savings) (NN account))) (. .)))
I have an account where I deposit my savings.
( I ( ( have ( ( an account ) ( where ( I ( deposit ( my savings ) ) ) ) ) ) . ) )
(ROOT (S (NP (PRP I)) (VP (VBP have) (NP (NP (DT an) (NN account)) (SBAR (WHADVP (WRB where)) (S (NP (PRP I)) (VP (VB deposit) (NP (PRP$ my) (NNS savings))))))) (. .)))