Systems and methods are provided for use in implanting account controls based on conditional states of users associated with the accounts. One exemplary method general includes receiving, by a computing device, status data for a user where the status data is indicative of a current conditional state of the user. The method also includes accessing, by the computing device, at least one account control rule for an account associated with the user, where the at least one account control rule associated with a conditional state, and activating, by the computing device, the at least one account control rule when the current conditional state of the use is the same as the conditional state associated with the at least one account control rule.