diff --git a/bank_accounts.rb b/bank_accounts.rb
new file mode 100644
index 00000000..60afd7bf
--- /dev/null
+++ b/bank_accounts.rb
@@ -0,0 +1,305 @@
+require 'CSV'
+
+module Bank
+  class Account
+    TRANSACION_FEE = 0
+    INITIAL_BALANCE_MIN = 0
+    MINIMUM_ACCOUNT_BALANCE = 0
+
+    attr_reader :id, :initial_balance, :current_balance, :owner, :account_info, :accounts
+
+    def initialize(account) # account is a hash ex. Account.new(id: 1234, amount: 50)
+      @id = account[:id]
+      @initial_balance = account[:initial_balance]
+      @current_balance = account[:initial_balance]
+      @open_date = account[:open_date]
+      @owner_info = account[:owner_info]
+      account_values
+      argument_error
+    end
+
+    def account_values(min_account_balance = MINIMUM_ACCOUNT_BALANCE, initial_balance_min = INITIAL_BALANCE_MIN, transaction_fee = TRANSACION_FEE)
+      @min_account_balance = min_account_balance
+      @initial_balance_min = initial_balance_min
+      @transaction_fee = transaction_fee
+    end
+
+    def argument_error
+      raise ArgumentError, "ERROR: invalid initial amount. Please deposit more than $#{@initial_balance_min}. Please try again" unless @initial_balance >= @initial_balance_min
+    end
+
+    def self.all
+      accounts = []
+      account_info = CSV.read("./support/accounts.csv")
+
+      account_info.each do |line|
+        accounts << self.new(id: line[0], initial_balance: line[1].to_i, open_date: line[2])
+      end
+      return accounts
+    end
+
+    def self.find(id)
+      accounts = Bank::Account.all
+      accounts.each do |line|
+        # puts "line #{line} = #{@accounts[line].id.to_i}"
+        if id.to_i == line.id.to_i
+          return line
+        end
+      end
+    end
+
+    def self.owner_account
+      accounts_csv = self.all
+      owner_csv = Bank::Owner.all
+      account_owner = []
+
+      account_owner_csv = CSV.read("./support/account_owners.csv") # get account_id and owner_id
+
+      account_owner_csv.each do |line|
+        account_info = Bank::Account.find((line[0].to_i))
+        owner_info = Bank::Owner.find((line[1].to_i))
+        account_owner << [account_info, owner_info]
+      end
+      return account_owner
+    end
+
+    def withdraw (withdraw_amount) # parameter represents the amount of money that will be withdrawn
+      new_balance = @current_balance - @transaction_fee - withdraw_amount
+
+      if new_balance >= @min_account_balance
+        @current_balance = new_balance
+      else
+        withdraw_error
+      end
+
+      return @current_balance # return the updated account balance.
+
+    end
+
+    def withdraw_error
+      puts "WARNING: invalid withdraw amount. Current balance is: #{@current_balance}"
+    end
+
+    def deposit(deposit_amount) #   parameter which represents the amount of money that will be deposited.
+      @current_balance = @current_balance + deposit_amount
+      return @current_balance
+    end
+
+    def balance
+      return @current_balance
+    end
+
+    def add_owner (owner)
+      @owner_info = Bank::Owner.new(owner)
+    end
+  end
+
+  class Owner
+    attr_reader :id, :last_name, :first_name, :address, :street_address, :city, :state, :account_info
+    def initialize (owner_info)
+      @id = owner_info [:id]
+      @last_name = owner_info[:last_name]
+      @first_name = owner_info[:first_name]
+      @address = owner_info[:address]
+      @street_address = owner_info[:street_address]
+      @city = owner_info[:city]
+      @state = owner_info[:state]
+      @account_info = owner_info[:account_info]
+    end
+
+    def self.all
+      owner_info = []
+      owner_info_csv = CSV.read("./support/owners.csv")
+
+      owner_info_csv.each do |line|
+        owner_info << self.new(id: line[0].to_i, last_name: line[1], first_name: line[2], address: line[3], street_address: line[4], city: line[5], state: line[6])
+      end
+      return owner_info
+    end
+
+    def self.find(id)
+      owner_all = Bank::Owner.all
+      owner_all.each_index do |line|
+        # puts "line #{line} = #{@accounts[line].id.to_i}"
+        if id.to_i == owner_all[line].id.to_i
+          return owner_all[line]
+        end
+      end
+    end
+
+    def owner_property #track info about who owns the account
+      return @owner_property
+    end
+
+    def accounts
+      accounts = Bank::Account.owner_account
+      accounts.each do |line|
+        if id == line[1].id
+          return line
+        else
+          nil
+        end
+      end
+    end
+
+    def add_account (account)
+      @account_info = Bank::Account.new(account)
+    end
+  end
+
+  class Display
+    attr_reader :view
+
+    def initialize
+      view
+    end
+
+    def self.view
+      account_all = Bank::Account.owner_account
+      puts "Account List"
+      account_all.each do |account|
+        puts "Account ID: #{account[0].id} Owner ID: #{account[1].id} Balance: #{account[0].balance} Name: #{account[1].first_name} #{account[1].last_name} "
+      end
+      return nil
+    end
+  end
+
+  class SavingsAccount < Account
+    TRANSACION_FEE = 2
+    INITIAL_BALANCE_MIN = 10
+    MINIMUM_ACCOUNT_BALANCE = 10
+
+    attr_reader :id, :initial_balance, :current_balance, :owner, :account_info, :accounts
+
+    def account_values
+      super(MINIMUM_ACCOUNT_BALANCE, INITIAL_BALANCE_MIN, TRANSACION_FEE)
+    end
+
+    def add_interest(rate)
+      interest_on_balance = @current_balance * (rate/100) # formula for calculating interest is balance * rate/100
+      @current_balance = @current_balance + interest_on_balance
+      puts "Interest earned on balance is #{interest_on_balance} and current balance is #{@current_balance}"
+      return interest_on_balance
+    end
+
+
+    def withdraw (withdraw_amount) # parameter represents the amount of money that will be withdrawn
+      new_balance = @current_balance - @transaction_fee - withdraw_amount
+      if new_balance >= @min_account_balance
+        @current_balance = new_balance
+      else
+        puts "WARNING: invalid withdraw amount. Current balance is: #{@current_balance}"
+      end
+      return @current_balance # return the updated account balance.
+    end
+
+  end
+
+  class CheckingAccount < Account
+    TRANSACION_FEE = 1
+    INITIAL_BALANCE_MIN = 10
+    MINIMUM_ACCOUNT_BALANCE = 0 # for withdraw but not for check withdrawals
+
+    attr_reader :id, :initial_balance, :current_balance, :owner, :account_info, :accounts
+
+    def account_values
+      super(MINIMUM_ACCOUNT_BALANCE, INITIAL_BALANCE_MIN, TRANSACION_FEE)
+      @check_withdraw_count = 0
+      @transaction_check_fee = 0
+    end
+
+    def reset_check_count
+      @check_withdraw_count = 0
+    end
+
+    def withdraw_using_check (withdraw_amount) # parameter represents the amount of money that will be withdrawn
+      check_min = -10
+      new_balance = @current_balance - @transaction_check_fee - withdraw_amount
+      if new_balance >= check_min
+        check_count
+        @current_balance = new_balance
+      else
+        puts "WARNING: invalid withdraw amount. Current balance is: #{@current_balance}"
+      end
+      return @current_balance # return the updated account balance.
+    end
+
+    def check_count
+      @check_withdraw_count += 1
+      if @check_withdraw_count > 3
+        @transaction_check_fee = 2
+      end
+    end
+  end
+
+  class MoneyMarketAccount < Account
+    TRANSACION_FEE = 0
+    INITIAL_BALANCE_MIN = 10000
+    MINIMUM_ACCOUNT_BALANCE = 0 # for withdraw but not for check withdrawals
+
+    attr_reader :id, :initial_balance, :current_balance, :owner, :account_info, :accounts
+
+    def account_values
+      super(MINIMUM_ACCOUNT_BALANCE, INITIAL_BALANCE_MIN, TRANSACION_FEE)
+      @check_withdraw_count = 0
+      @transaction_check_fee = 0
+      @total_transactions = 0
+    end
+
+    def reset_check_count
+      @check_withdraw_count = 0
+      @total_transactions = 0
+    end
+
+    def withdraw (amount)
+      if transaction? == true
+        balance = super(amount)
+        if balance < 10000
+          @total_transactions += 1
+          below_min_fee = 100
+          puts "Balance is below $10,000, a fee of $100 is imposed."
+          @current_balance = balance - below_min_fee
+        else
+          @total_transactions += 1
+          @current_balance = balance
+        end
+      end
+    end
+
+    def deposit (amount)
+      if @current_balance < 10000
+        @current_balance = super(amount)
+      end
+      if transaction_count? == true
+        @total_transactions += 1
+        @current_balance = super(amount)
+      end
+    end
+
+    def transaction_count?
+      if @total_transactions >= 6
+        puts "You have reached your monthly transaction use. Please wait until next month to complete a transaction"
+        false
+      else
+        true
+      end
+    end
+
+    def transaction?
+      min_account_balance = 10000
+      if @current_balance >= min_account_balance && transaction_count?
+       true
+     elsif @current_balance < 10000
+        puts "WARNING: invalid withdraw amount. Current balance is: #{@current_balance}"
+      end
+    end
+
+    def add_interest(rate)
+      interest_on_balance = @current_balance * (rate/100) # formula for calculating interest is balance * rate/100
+      @current_balance = @current_balance + interest_on_balance
+      puts "Interest earned on balance is #{interest_on_balance} and current balance is #{@current_balance}"
+      return interest_on_balance
+    end
+
+  end
+end