A pattern that I particularly like is to combine nested classes with the factory pattern:
public abstract class BankAccount
{
private BankAccount() {} // prevent third-party subclassing.
private sealed class SavingsAccount : BankAccount { ... }
private sealed class ChequingAccount : BankAccount { ... }
public static BankAccount MakeSavingAccount() { ... }
public static BankAccount MakeChequingAccount() { ... }
}
By nesting the classes like this, I make it impossible for third parties to create their own subclasses. I have complete control over all the code that runs in any bankaccount object. And all my subclasses can share implementation details via the base class.