diff --git a/BankAccounts.rb b/BankAccounts.rb
new file mode 100644
index 00000000..088165de
--- /dev/null
+++ b/BankAccounts.rb
@@ -0,0 +1,170 @@
+require 'CSV'
+module Bank
+  class Account
+    #FEE = 0.0
+    #INITIAL_BALANCE = 0.0
+    attr_reader :initial_balance, :owner, :open_date, :id, :fee, :min_amount
+    attr_accessor
+    def initialize(id=nil,initial_balance=nil,open_date=nil,fee = nil,min_amount=nil)
+      @min_amount = 0.0
+      @fee = 0.0.to_f
+      @owner = []
+      @id = id
+      @initial_balance = 0.0.to_f
+      @open_date = open_date
+      if @initial_balance < 0.0
+        raise ArgumentError.new("Account can not start with a negative balance.")
+      end
+    end
+
+
+    def withdraw(withdraw_amount)
+      if withdraw_amount > @initial_balance + @min_amount
+        puts "You don't have enough money to take that out."
+        return @initial_balance
+      else
+      @initial_balance = @initial_balance - withdraw_amount
+      return @initial_balance = @initial_balance - @fee
+      end
+    end
+
+    def deposit(deposit_amount)
+      @initial_balance = @initial_balance + deposit_amount
+      return @initial_balance
+    end
+
+    def balance
+      @initial_balance
+    end
+
+    def new_owner(owner)
+      @owner << owner
+      return @owner
+    end
+
+    def check_owner
+      @owner
+    end
+
+    #Account.all
+    def self.all
+        accounts = []
+        CSV.read("./support/accounts.csv").each do |array|
+        accounts << self.new(array[0],array[1],array[2])
+      end
+      return accounts #just as a reminder
+    end
+
+    def self.find(id)
+      CSV.read("./support/accounts.csv").each do |csv|
+        csv.each do |second|
+          if second.include? id.to_s
+            return self.new(csv[0],csv[1].to_f / 100,csv[2])
+          end
+        end
+      end
+    end
+  end
+
+  class Owner
+    attr_reader :id, :first_name, :last_name, :address, :city, :state
+    def initialize(id=nil,first_name=nil,last_name=nil,address=nil,city=nil,state=nil)
+      @id = id
+      @last_name = first_name
+      @first_name = last_name
+      @address = address.to_s
+      @city = city
+      @state = state
+      #@owner_hash = {id: @id, name: @name, address: @address}
+    end
+
+    def self.all
+        accounts = []
+        CSV.read("./support/owners.csv").each do |array|
+        accounts << self.new(array[0],array[1],array[2],array[3],array[4],array[5])
+      end
+      return accounts #just as a reminder
+    end
+
+    def self.find(id)
+      CSV.read("./support/owners.csv").each do |csv|
+        csv.each do |second|
+          if second.include? id.to_s
+            return self.new(csv[0],csv[1],csv[2],csv[3],csv[4],csv[5])
+          end
+        end
+      end
+    end
+
+    def account
+      CSV.read("./support/account_owners.csv").each do |i|
+        return Account.new(i[0])
+      end
+    end
+
+
+
+  end
+
+
+  class SavingsAccount < Account
+    def initialize
+      super(fee,min_amount)
+      @fee = 2
+      @min_amount = -10
+    end
+
+    def withdraw(withdraw_amount)
+      super
+    end
+
+    def add_interest(rate)
+      interest = @initial_balance * rate.to_f/100
+      interest_added = interest + @initial_balance
+      interest_added
+    end
+
+  end
+
+
+  class CheckingAccount < Account
+    def initialize
+      super(fee,min_amount)
+      @fee = 1
+      @checks_used = 0
+      @counter = 0
+    end
+
+    def withdraw(withdraw_amount)
+      super
+    end
+
+
+    def withdraw_using_check(amount)
+      if amount + @fee > @initial_balance + 10
+        puts "You don't have enough money to take that out."
+        return @initial_balance
+      elsif @checks_used > 3
+       @initial_balance = @initial_balance - amount - 2
+       return @initial_balance
+
+      else @initial_balance = @initial_balance - amount - @fee
+          @checks_used = @checks_used + 1
+          return @initial_balance = @initial_balance
+
+      end
+    end
+
+
+    def reset_checks
+      if @checks_used > 3
+        return @checks_used = @checks_used = 0
+      end
+    end
+
+
+  end
+
+
+
+end