diff --git a/Account.rb b/Account.rb
new file mode 100644
index 00000000..15cd9cc2
--- /dev/null
+++ b/Account.rb
@@ -0,0 +1,67 @@
+require 'CSV'
+#require_relative 'Owner.rb'
+module Bank
+  class Account
+    attr_accessor :id, :balance, :account_open_date
+
+    def initialize(id, balance,  minimum_account= "Your savings account cannot go below $10!")
+      @id = id
+      @balance = balance
+      if @balance <=  self.class::MINIMUM_BALANCE
+        raise ArgumentError.new(minimum_account)
+      end
+    end
+
+#second wave initialize method to take in CSV file
+    # def initialize(accounts_hash, empty_account = "We're sorry, but you cannot open an account without some money!")
+    #   @id = accounts_hash[:id]
+    #   @balance = accounts_hash[:balance]
+    #   @account_open_date = accounts_hash[:account_open_date]
+    #
+    #   if @balance <=  self.class::MINIMUM_BALANCE
+    #     raise ArgumentError.new(empty_account)
+    #   end
+    #
+    # end #end initialize method
+
+    #returns a collection of Account instances, representing all of the Accounts described in the CSV. See below for the CSV file specifications
+    def self.all
+      accounts = []
+      CSV.read("./support/accounts.csv").each do |line|
+        accounts_hash = {}
+        accounts_hash[:id] = line[0].to_i
+        accounts_hash[:balance] = line[1].to_f/100
+        accounts_hash[:account_open_date] = line[2]
+        accounts << Bank::Account.new(accounts_hash)
+      end
+      return accounts
+    end
+
+    #returns an instance of Account where the value of the id field in the CSV matches the passed parameter
+    def self.find(id)
+      self.all.each do |account|
+        if account.id == id
+          return account
+        end
+      end
+    end
+    #method to withdraw money from an account
+    def withdraw(withdraw_amount, message = "Your balance cannot go below 0")
+
+      if withdraw_amount > @balance
+        puts message
+        return @balance
+      else
+        @balance = @balance - withdraw_amount
+        return @balance
+      end
+    end #withdraw method end
+
+    #method to deposit money into an account
+    def deposit(deposit_amount)
+      @balance = @balance + deposit_amount
+      return @balance
+    end #deposit method end
+
+  end #Account class end
+end
diff --git a/CheckingAccount.rb b/CheckingAccount.rb
new file mode 100644
index 00000000..c258f9f6
--- /dev/null
+++ b/CheckingAccount.rb
@@ -0,0 +1,79 @@
+require_relative "Account"
+module Bank
+  class CheckingAccount < Account
+    MINIMUM_BALANCE = 0
+    attr_accessor :check_count
+
+    def initialize(id, balance)
+      super
+      # @id = id
+      # @balance = balance
+      @check_count = 0
+    end
+
+#withdraw method that subtracts 1 for withdraw fee
+    def withdraw(withdraw_amount, message = "Your balance cannot go below 0")
+      withdraw_amount = withdraw_amount + 1
+      super
+    end
+
+    def withdraw_using_check(amount, message = "Don't go below $-10")
+      #make check_count an instance variable?
+      if @balance - amount < -10
+        raise ArgumentError.new(message)
+      else
+        if @check_count > 3
+          @check_count += 1
+          @balance = @balance - 2 - amount
+          return @balance
+        else
+          @check_count += 1
+          @balance = @balance - amount
+          return @balance
+        end
+      end
+    end
+
+    #reset_checks -- resets the checks to zero
+    def reset_checks
+      @check_count = 0
+    end
+
+  end #CheckingAccount
+end #bank
+
+
+#Code I run in Terminal to test
+
+puts foots = Bank::CheckingAccount.new(1234, 400)
+puts foots.withdraw(300)
+ #=> 99
+puts foots.check_count
+# => 0
+puts foots.withdraw_using_check(5)
+# => 94
+puts foots.check_count
+# => 1
+puts foots.withdraw_using_check(5)
+# => 89
+puts foots.withdraw_using_check(5)
+# => 84
+puts foots.withdraw_using_check(5)
+# => 79
+puts foots.withdraw_using_check(5)
+# => 72
+puts foots.withdraw_using_check(70)
+# => 0
+puts foots.withdraw_using_check(5)
+# => -7
+puts foots.reset_checks
+# => 0
+puts foots.withdraw_using_check(5)
+# ArgumentError: Don't go below $-10
+puts foots.balance
+# => -7
+puts foots.deposit(500)
+# => 493
+
+puts foots.withdraw(80)
+# => 412
diff --git a/SavingsAccount.rb b/SavingsAccount.rb
new file mode 100644
index 00000000..d2de438f
--- /dev/null
+++ b/SavingsAccount.rb
@@ -0,0 +1,51 @@
+require_relative "Account"
+module Bank
+  # create a class called SavingsAccount
+  class SavingsAccount < Account
+    MINIMUM_BALANCE = 10
+    attr_accessor :balance #add :id here?
+
+    def initialize(id, balance)# minimum_account= "Your savings account must start with at least $10!")
+      super
+      # @id = id
+      # @balance = balance
+      #super() should allow us in inherit the instance variables of the Account class
+      #     - It cannot go below a balance of $10
+      # if @balance < MINIMUM_BALANCE
+      # raise ArgumentError.new(minimum_account)
+      # end
+      #       if it does, raise an ArgumentError
+    end  #end initialize
+
+    #old savings withdrawal method
+    def withdraw(withdraw_amount, minimum_account= "Your savings account cannot go below $10!")
+      withdraw_amount = withdraw_amount + 2
+      if (@balance - withdraw_amount) < MINIMUM_BALANCE
+        puts minimum_account
+        return @balance
+      end
+      super
+    end
+
+    #add method for adding the interest rate
+    def add_interest(rate)
+      interest_amount = @balance * rate/100
+      return @balance = @balance + interest_amount
+    end
+  end
+end
+
+
+#Stuff run in terminal
+foot_saves = Bank::SavingsAccount.new("FootsMoney", 600)
+ #=> #<Bank::SavingsAccount:0x007f851c8e7120 @id="FootsMoney", @balance=600>
+foot_saves.withdraw(100)
+ #=> 498
+foot_saves.add_interest(20)
+#  => 597
+foot_saves.balance
+#  => 597
+foot_saves.withdraw(590)
+#Your savings account cannot go below $10!
+#  => 597
+foots.add_interest(20)