Banks offer various types of accounts such as savings checki

Banks offer various types of accounts, such as savings, checking, certificate of deposits, and money market, to attract customers as well as meet their specific needs. Two of the most commonly used accounts are savings and checking. Each of these accounts has various options. For example, you may have a savings account that requires no minimum balance but has a lower interest rate. Similarly, you may have a checking account that limits the number of checks you may write. Another type of account that is used to save money for the long term is certificate of deposit (CD). In this programming exercise, you use abstract classes and pure virtual functions to design classes to manipulate various types of accounts. For simplicity assume that the bank offers three types of accounts: savings, checking, and certificate of deposit, as described next. Savings accounts: Suppose that the bank offers two types of savings accounts: one that has no minimum balance and a lower interest rate and another that requires a minimum balance and has a higher interest rate Checking accounts: Suppose that the bank offers three types of checking accounts: one with a monthly service charge, limited check writing, no minimum balance, and no interest, another with no monthly service charge, a minimum balance requirement, unlimited check writing and lower interest, and a third with no monthly service charge, a higher minimum requirement, a higher interest rate, and unlimited check writing Certificate of deposit (CD): In an account of this type, money is left for some time, and these accounts draw higher interest rates than savings or checking accounts. Suppose that you purchase a CD for six months. Then we say that the CD will mature in six months. The penalty

Solution

#include <iostream>
#include <string>

using namespace std;

class bankAccount
{
private:
    string accHolderName;
    string accountType;
    int accountNumber;
    double accBalance;
public:
    bankAccount(string fullName = \"\", string accType = \"\", int accNum = 0, double balance = 0.0);
    string getAccHolderName() const;
    string getAccountType() const;
    int getAccountNumber() const;
    double getAccBalance() const;
    void deposit(double amount);
    void withdrawl(double amount);
    virtual void print() const = 0;
};

/*contructor*/
bankAccount::bankAccount(string fullName, string accType, int accNum, double balance) {
    accHolderName = fullName;
    accountType = accType;
    accountNumber = accNum;
    accBalance = balance;
}

string bankAccount::getAccHolderName() const{
    return accHolderName;
}

string bankAccount::getAccountType() const{
    return accountType;
}

int bankAccount::getAccountNumber() const{
    return accountNumber;
}

double bankAccount::getAccBalance() const{
    return accBalance;
}

void bankAccount::deposit(double amount) {
    accBalance += amount;
}

void bankAccount::withdrawl(double amount) {
    if (amount > accBalance) {
        cout << \"Insufficent Funds. Account balance: \" << accBalance << endl;
    } else {
        accBalance -= amount;
    }
}

class checkingAccount: public bankAccount
{
private:
    int numOfChecks;
public:
    checkingAccount(string fullName = \"\", string accType = \"\", int accNum = 0, double balance = 0.0, int numChecks = 10);
    int getChecksAvailable() const;
/*pure virtual function*/
    virtual void writeCheck() = 0;
};

/*constructor*/
checkingAccount::checkingAccount(string fullName, string accType, int accNum, double balance, int numChecks)
                :bankAccount(fullName, accType, accNum, balance) {
    numOfChecks = numChecks;
}

int checkingAccount::getChecksAvailable() const {
    return numOfChecks;
}

class serviceChargeChecking: public checkingAccount
{
private:
    double minBalance;
    double intRate;
public:
    serviceChargeChecking(string fullName = \"\", string accType = \"Service Charge Checking\", int accNum = 0, double balance = 0.0, int numChecks = 10, double mBalance = 10.0, double iRate = .01);
    void writeCheck();
    double getIntRate() const;
    void print() const;
};

/*constructor*/
serviceChargeChecking::serviceChargeChecking(string fullName, string accType, int accNum, double balance, int numChecks, double mBalance, double iRate)
                      :checkingAccount(fullName, accType, accNum, balance, numChecks) {
    minBalance = mBalance;
    intRate = iRate;
}

void serviceChargeChecking::writeCheck() {
  
}

double serviceChargeChecking::getIntRate() const {
    return intRate;
}

void serviceChargeChecking::print() const {
    cout << \"Account Number:   \" << getAccountNumber() << endl;
    cout << \"Account Type:     \" << getAccountType() << endl;
    cout << \"Name:             \" << getAccHolderName() << endl;
    cout << \"Balance:          \" << getAccBalance() << endl;
    cout << \"Interest Rate:    \" << getIntRate() << endl;
    cout << \"Remaining Checks: \" << getChecksAvailable() << endl;
}

class noServiceChargeChecking: public checkingAccount
{
private:
public:
};

class highInterestChecking: public checkingAccount
{
private:
public:
};

class savingsAccount: public bankAccount
{
private:
public:
};

class highInterestSavings: public savingsAccount
{
private:
public:
};

class certificateOfDeposit: public bankAccount
{
private:
public:
};

int main() {
  
    /*testing*/
    serviceChargeChecking myAccount(\"David Flores\", \"Service Charge Checking\", 12, 1000.25, 10, 10.0, .01);
    myAccount.print();
  
    return 0;
}

bankAccount.h

#ifndef BANKACCOUNT_H
#define BANKACCOUNT_H

#include <string>
using namespace std;

class bankAccount
{
public:
   //accessors
   string getName(); //grabs first name, spaces will end the program
   long getAccountNum(); //grabs account #
   double getBalance(); //grabs balance
   double getWithdraw(); //grabs withdrawal amount

   //mutators
   void setName(string newName); //sets up the name
   void setAccountNum(long newAccountNum); //sets up the account #
   void setBalance(double newBalance); //sets up the balance
   void setDepositAmt(double newDepositAmt); //captures the deposit amt
   void setWithdrawAmt(double newWithdrawAmt); //captures the w/drawal amt

   //other functions
   virtual void printStatement() = 0; //prints the monthly statement aka declared in later classes since each class\'s statements are different
   void calcDepBal(); //calcs new balance after depositing
   virtual void calcWithBal(); //calcs new balance after withdrawal but will be overwritten by derived classes for its specific purpose
   virtual void withdrawing(); //does the process of withdrawing, all the w/drawing will be done here by derived classes for its specific purpose
   void depositing(); //does the process of depositing, all the depositing will be done here

private:
   string name; //ex: Maria
   long accountNum; //ex: 100194 <-bad account num
   double balance; //ex: 500.00
   double deposit; //ex: 20 or 20.00
   double withdraw; //ex: 20 or 20.00

};

#endif // !BANKACCOUNT_H

bankAccount.cpp

#include \"bankAccount.h\"
#include <iostream>
#include <string>

using namespace std;

//accessors
string bankAccount::getName() //grabs first name
{
   return name; //this will grab the name and output it
} //end getName

long bankAccount::getAccountNum() //grabs account #
{
   return accountNum; //this grabs the account # and outputs it
} //end accountNum

double bankAccount::getBalance() //grabs balance
{
   return balance; //this grabs the balance amount and outputs it
} //end getBalance

double bankAccount::getWithdraw() //grabs withdrawal amount
{
   return withdraw; //this grabs the amount the user decides to withdraw
} //end getWithdraw

//mutators
void bankAccount::setName(string newName) //sets up the name
{
   name = newName; //the string in the setName will be assigned to the variable: name
} //end setName

void bankAccount::setAccountNum(long newAccountNum) //sets up the account #
{
   accountNum = newAccountNum; //the long in setAccountNum will be assigned to the variable: accountNum
} //end setAccountNum

void bankAccount::setBalance(double newBalance) //sets up the balance
{
   balance = newBalance; //the double variable in setBalance will be assigned to the variable: balance
} //end setBalance

void bankAccount::setDepositAmt(double newDepositAmt) //captures the deposit amt
{
   deposit = newDepositAmt; //the double variable in the setDepositAmt will be assigned to the variable: deposit
} //setDepositAmt

void bankAccount::setWithdrawAmt(double newWithdrawAmt) //captures the w/drawal amt
{
   withdraw = newWithdrawAmt; //the double variable in the setWithdrawAmt will be assigned to the variable: withdraw
} //end endWithdrawAmt

//other functions
void bankAccount::calcDepBal() //calcs new balance after depositing
{
   bankAccount::setBalance(balance + deposit); //calcs the new balance by adding the deposit to the current balance
} //end calcDepBal

void bankAccount::calcWithBal() //calcs new balance after withdrawal
{
   if (balance > withdraw)
       bankAccount::setBalance(balance - withdraw); //calcs the new balance by subtracting the withrawal amt to the current balance
                                                   //only if the current balance is higher than the withdrawal amt since it the balance can\'t be a negative number
   else
       cout << \"Withdrawal denied \ \ \"; //if the withdrawal amt is higher than the current balance then it will not withdraw
  
} //end calcWithBal

void bankAccount::withdrawing() //does the process of withdrawing
{
   cout << \"How much would you like to withdraw?: \";
   cin >> withdraw;
   bankAccount::setWithdrawAmt(withdraw);
   cout << \"Withdrawing... \ \";
   bankAccount::calcWithBal();
   cout << \"Balance: \\t\" << bankAccount::getBalance() << \"\ \ \";
} //end withdrawing

void bankAccount::depositing() //does the process of depositing
{
   cout << \"How much would you like to deposit?: \";
   cin >> deposit;
   bankAccount::setDepositAmt(deposit);
   bankAccount::calcDepBal();
   cout << \"Depositing... \ \"
       << \"Balance: \\t\" << bankAccount::getBalance() << \"\ \ \";
} //end depositing

certificateOfDeposit.h

#ifndef CERTIFICATEOFDEPOSIT_H
#define CERTIFICATEOFDEPOSIT_H

#include \"bankAccount.h\"
#include <string>

using namespace std;

class certificateOfDeposit : public bankAccount
{
public:
   //accessors
   //remember: accessors from bankAccount will be accessed
  
   //mutators
   //remember: mutators from bankAccount will be accessed

   //constructor with default parameters
   //upon instatiating, these parameters will be created
   certificateOfDeposit(string dName = \"\", long dAccountNumber = 0, double dBalance = 530.50, double dDepositAmt = 0, double dWithdrawAmt = 0);

   //other functions
   //remember: other fumctions from bankAccount will be accessed
   void printStatement(); //prints the monthly statement for this specific class

private:
   const double INTEREST = 0.021; //interest of CD is 2.1%
   const int NUMOFMATMONTH = 24; //total number of maturity months are 24
   int currentMonth = 3; //current month of CD is the 3rd

};

#endif // !CERTIFICATEOFDEPOSIT_H

certificateOfDeposit.cpp

#include \"certificateOfDeposit.h\"
#include <iostream>
#include <string>

using namespace std;

//constructor with default parameters
//upon instatiating, these parameters will be created
certificateOfDeposit::certificateOfDeposit(string dName, long dAccountNumber, double dBalance, double dDepositAmt, double dWithdrawAmt)
{
   bankAccount::setName(dName);
   bankAccount::setAccountNum(dAccountNumber);
   bankAccount::setBalance(dBalance);
   bankAccount::setDepositAmt(dDepositAmt);
   bankAccount::setWithdrawAmt(dWithdrawAmt);
} //end certificateOfDeposit

//other functions
void certificateOfDeposit::printStatement() //prints the monthly statement for this specific class
{
   cout << \"------------------------------------------- \ \"
       << \"\\t Certificate of Deposit \ \ \"
       << \"Name: \\t\\t\\t\\t\" << bankAccount::getName() << \"\ \"
       << \"Account Number: \\t\\t\" << bankAccount::getAccountNum() << \"\ \"
       << \"Current Balance: \\t\\t\" << bankAccount::getBalance() << \"\ \"
       << \"No minimum balance \ \"
       << \"Interest: \\t\\t\\t\" << INTEREST << \"\ \"
       << \"Number of maturity months: \\t\" << NUMOFMATMONTH << \"\ \"
       << \"Current maturity month: \\t\" << currentMonth << \"\ \"
       << \"------------------------------------------- \ \ \";
} //end printStatement

checkingAccount.h

#ifndef CHECKINGACCOUNT_H
#define CHECKINGACCOUNT_H

#include \"bankAccount.h\"
#include <string>

using namespace std;

class checkingAccount : public bankAccount
{
public:
   //accessors
   //remember: accessors from bankAccount will be accessed
   double getCheck(); //gets the check total amt
   string getCheckRec(); //gets the name of the check\'s recepient who the client wants to make the check to

   //mutators
   //remember: mutators from bankAccount will be accessed
   void setCheck(double newCheckAmt); //sets up the check total
   void setCheckRec(string newCheckRec); //sets the name of the check\'s recipient

   //other functions
   virtual void writeCheck() = 0; //prompts for recepient & total. creates new balance. declared in later classes since each class is different

private:
   double checkAmt; //ex: 23.00 or 23
   string checkRec; //ex: Rachel
};

#endif // !CHECKINGACCOUNT_H

checkingAccount.cpp

#include \"checkingAccount.h\"
#include <iostream>
#include <string>

using namespace std;

//accessors
//remember: accessors from bankAccount will be accessed
double checkingAccount::getCheck() //gets the check total
{
   return checkAmt; //outputs the total amount of what the check is
} //end getCheck

string checkingAccount::getCheckRec() //gets the name of the check\'s recepient
{
   return checkRec; //outputs the name of the person the client made the check to
} //end getCheckRec

//mutators
//remember: mutators from bankAccount will be accessed
void checkingAccount::setCheck(double newCheckAmt) //sets up the check total
{
   checkAmt = newCheckAmt; //double variable in setCheck will be assigned to the variable: checkAmt
} //end setCheck

void checkingAccount::setCheckRec(string newCheckRec) //sets the name of the check\'s recipient
{
   checkRec = newCheckRec; //double variable in setCheckRec will be assigned to the variable: checkRec
} //end setCheckRec

highInterestChecking.h

#ifndef HIGHINTERESTCHECKING_H
#define HIGHINTERESTCHECKING_H

#include \"noServiceChargeChecking.h\"
#include <string>

using namespace std;

class highInterestChecking : public noServiceChargeChecking
{
public:
   highInterestChecking(string dName = \"\", long dAccountNumber = 0, double dBalance = 850.00, double dDepositAmt = 0, double dWithdrawAmt = 0, string dCheckRec = \"\", double dCheckAmt = 0);

   //other functions
   //remember: other functions from bankAccount, checkingAccount, and noServiceChargeChecking will be accessed
   void printStatement(); //prints the monthly statement for this class specifically
   void writeCheck(); //prompts for recepient & total. creates new balance. for this specific class
   void calcWithBal(); //calcs new balance after withdrawal for this specific class
   void withdrawing(); //does the process of withdrawing for this specific class

private:
   const double MINIMUM_BALANCE = 550.00;
   const double INTEREST = 0.10;
   string newName; //ex: Maria
   double newCheckAmt; //ex: 20 or 20.00
   double withdraw; //ex: 20.00 or 20

};

#endif // !HIGHINTERESTCHECKING_H

highInterestChecking.cpp

#include \"highInterestChecking.h\"
#include <iostream>
#include <string>

using namespace std;

//constructor with default parameters
//upon instatiating, these parameters will be created
highInterestChecking::highInterestChecking(string dName, long dAccountNumber, double dBalance, double dDepositAmt, double dWithdrawAmt, string dCheckRec, double dCheckAmt)
{
   bankAccount::setName(dName);
   bankAccount::setAccountNum(dAccountNumber);
   bankAccount::setBalance(dBalance);
   bankAccount::setDepositAmt(dDepositAmt);
   bankAccount::setWithdrawAmt(dWithdrawAmt);
   checkingAccount::setCheckRec(dCheckRec);
   checkingAccount::setCheck(dCheckAmt);
} //end highInterestChecking

//other functions
void highInterestChecking::printStatement() //prints the monthly statement for this specific class
{
   cout << \"------------------------------------------------------------------------------- \ \"
       << \"\\t Checking account with no service charge and high interest \ \ \"
       << \"Name: \\t\\t\\t\\t\" << bankAccount::getName() << \"\ \"
       << \"Account Number: \\t\\t\" << bankAccount::getAccountNum() << \"\ \"
       << \"Current Balance: \\t\\t\" << bankAccount::getBalance() << \"\ \"
       << \"Total checks per month: \\tunlimited \ \"
       << \"Interest: \\t\\t\\t\" << INTEREST << \"\ \"
       << \"Minimum balance: \\t\\t\" << MINIMUM_BALANCE << \"\ \"
       << \"Monthly charge: \\t\\tno \ \"
       << \"------------------------------------------------------------------------------- \ \ \";
} //end printStatement

void highInterestChecking::writeCheck() //prompts for recepient & total. creates new balance. for this specific class
{
   cout << \"Name of the recepient: \";
   cin >> newName;
   checkingAccount::setCheckRec(newName);
   cout << \"Check total: \";
   cin >> newCheckAmt;
   checkingAccount::setCheck(newCheckAmt);
   cout << \"Creating check... \ \";
   if (bankAccount::getBalance() > checkingAccount::getCheck())
   {
       bankAccount::setBalance(bankAccount::getBalance() - checkingAccount::getCheck()); //makes sure that the balance doesn\'t fall in the (-)s
       if (bankAccount::getBalance() < MINIMUM_BALANCE) //makes sure that the balance doesn\'t full under mini balance
       {
           bankAccount::setBalance(bankAccount::getBalance() + checkingAccount::getCheck());
           cout << \"Check denied: passing minimal balance \ \ \";
       } //end if
       else
       {
           cout << \"Success! \ \"
               << \"Recepient: \\t\" << checkingAccount::getCheckRec() << \"\ \"
               << \"Check total: \\t\" << checkingAccount::getCheck() << \"\ \";
       } //end else
   } //end if
   else
       cout << \"Check denied \ \ \";
   cout << \"Balance: \\t\" << bankAccount::getBalance() << \"\ \ \";

} //end writeCheck()

void highInterestChecking::calcWithBal() //calcs new balance after withdrawal for this specific class
{
   if (bankAccount::getBalance() > bankAccount::getWithdraw()) //makes sure that the balance doesn\'t fall in the (-)s
   {
       bankAccount::setBalance(bankAccount::getBalance() - bankAccount::getWithdraw());
       if (bankAccount::getBalance() < MINIMUM_BALANCE)//makes sure that the balance doesn\'t full under mini balance
       {
           bankAccount::setBalance(bankAccount::getBalance() + bankAccount::getWithdraw());
           cout << \"Withrawal denied: passing minimal balance of: \" << MINIMUM_BALANCE << \"\ \ \";
       } //end if
   } //end if
   else
       cout << \"Withdrawal denied \ \ \";

}

void highInterestChecking::withdrawing() //does the process of withdrawing for this specific class
{
   cout << \"How much would you like to withdraw?: \";
   cin >> withdraw;
   bankAccount::setWithdrawAmt(withdraw);
   cout << \"Withdrawing... \ \";
   highInterestChecking::calcWithBal();
   cout << \"Balance: \\t\" << bankAccount::getBalance() << \"\ \ \";
}

highInterestSavings.h

#ifndef HIGHINTERESTSAVINGS_H
#define HIGHINTERESTSAVINGS_H

#include \"savingsAccount.h\"
#include <string>

using namespace std;

//minimum balance
class highInterestSavings : public savingsAccount
{
public:
   //constructor with default parameters
   //upon instatiating, these parameters will be created
   highInterestSavings(string dName = \"\", long dAccountNumber = 0, double dBalance = 630.50, double dDepositAmt = 0, double dWithdrawAmt = 0);

   //other functions
   //remember: other functions from bankAccount and savingsAccount will be accessed
   void printStatement(); //prints the monthly statement for this specific class
   void calcWithBal(); //calcs new balance after withdrawal for this specific class
   void withdrawing(); //does the process of withdrawing for this specific class

private:
   const double MINIMUM_BALANCE = 300.00;
   const double INTEREST = 0.20;
   double withdraw; //ex: 20 or 20.00

};

#endif // !HIGHINTERESTSAVINGS_H

highInterestSavings.cpp

#include \"highInterestSavings.h\"
#include <iostream>
#include <string>

using namespace std;

//constructor with default parameters
//upon instatiating, these parameters will be created
highInterestSavings::highInterestSavings(string dName, long dAccountNumber, double dBalance, double dDepositAmt, double dWithdrawAmt)
{
   bankAccount::setName(dName);
   bankAccount::setAccountNum(dAccountNumber);
   bankAccount::setBalance(dBalance);
   bankAccount::setDepositAmt(dDepositAmt);
   bankAccount::setWithdrawAmt(dWithdrawAmt);
}

//other functions
void highInterestSavings::printStatement() //prints the monthly statement for this specific class
{
   cout << \"---------------------------------------------------- \ \"
       << \"\\t Savings account with high interest \ \ \"
       << \"Name: \\t\\t\\t\\t\" << bankAccount::getName() << \"\ \"
       << \"Account Number: \\t\\t\" << bankAccount::getAccountNum() << \"\ \"
       << \"Current Balance: \\t\\t\" << bankAccount::getBalance() << \"\ \"
       << \"Interest: \\t\\t\\t\" << INTEREST << \"\ \"
       << \"Minimum balance: \\t\\t\" << MINIMUM_BALANCE << \"\ \"
       << \"---------------------------------------------------- \ \ \";
}

void highInterestSavings::calcWithBal() //calcs new balance after withdrawal for this specific class
{
   if (bankAccount::getBalance() > bankAccount::getWithdraw()) //makes sure that the balance doesn\'t fall in the (-)s
   {
       bankAccount::setBalance(bankAccount::getBalance() - bankAccount::getWithdraw());
       if (bankAccount::getBalance() < MINIMUM_BALANCE) //makes sure that the balance doesn\'t full under mini balance
       {
           bankAccount::setBalance(bankAccount::getBalance() + bankAccount::getWithdraw());
           cout << \"Withrawal denied: passing minimal balance of: \" << MINIMUM_BALANCE << \"\ \ \";
       } //end if
   } //end if
   else
       cout << \"Withdrawal denied \ \ \";

}

void highInterestSavings::withdrawing() //does the process of withdrawing for this specific class
{
   cout << \"How much would you like to withdraw?: \";
   cin >> withdraw;
   bankAccount::setWithdrawAmt(withdraw);
   cout << \"Withdrawing... \ \";
   highInterestSavings::calcWithBal();
   cout << \"Balance: \\t\" << bankAccount::getBalance() << \"\ \ \";
}

noServiceChargeChecking.h

#ifndef NOSERVICECHARGECHECKING_H
#define NOSERVICECHARGECHECKING_H

#include \"checkingAccount.h\"
#include <string>

class noServiceChargeChecking : public checkingAccount
{
public:
   //accessors
   //remember: accessors from checkingAccount and bankAccount are accessed

   //mutators
   //remember: mutators from checkingAccount and bankAccount are accessed

   //constructor with default parameters
   //upon instatiating, these parameters will be created
   noServiceChargeChecking(string dName = \"\", long dAccountNumber = 0, double dBalance = 650.50, double dDepositAmt = 0, double dWithdrawAmt = 0, string dCheckRec = \"\", double dCheckAmt = 0);

   //other functions
   void printStatement(); //prints the monthly statement
   void writeCheck(); //prompts for recepient & total. creates new balance. for this specific clas
   void calcWithBal(); //calcs new balance after withdrawal for this specific clas
   void withdrawing(); //does the process of withdrawing for this specific clas

private:
   const double MINIMUM_BALANCE = 350.00;
   const double INTEREST = 0.01;
   string newName; //ex: Maria
   double newCheckAmt; //ex: 60.00 or 60
   double withdraw; //ex: 70 or 70.00

}; //end class

#endif // !NOSERVICECHARGECHECKING_H

noServiceChargeChecking.cpp

#include \"noServiceChargeChecking.h\"
#include <iostream>
#include <string>

using namespace std;

//constructor with default parameters
//upon instatiating, these parameters will be created
noServiceChargeChecking::noServiceChargeChecking(string dName, long dAccountNumber, double dBalance, double dDepositAmt, double dWithdrawAmt, string dCheckRec, double dCheckAmt)
{
   bankAccount::setName(dName);
   bankAccount::setAccountNum(dAccountNumber);
   bankAccount::setBalance(dBalance);
   bankAccount::setDepositAmt(dDepositAmt);
   bankAccount::setWithdrawAmt(dWithdrawAmt);
   checkingAccount::setCheckRec(dCheckRec);
   checkingAccount::setCheck(dCheckAmt);
} //end noServiceChargeChecking

//other functions
void noServiceChargeChecking::printStatement() //prints the monthly statement for this specific class
{
   cout << \"---------------------------------------------------------- \ \"
       << \"\\t Checking account with no service charge \ \ \"
       << \"Name: \\t\\t\\t\\t\" << bankAccount::getName() << \"\ \"
       << \"Account Number: \\t\\t\" << bankAccount::getAccountNum() << \"\ \"
       << \"Current Balance: \\t\\t\" << bankAccount::getBalance() << \"\ \"
       << \"Total checks per month: \\tunlimited \ \"
       << \"Interest: \\t\\t\\t\" << INTEREST << \"\ \"
       << \"Minimum balance: \\t\\t\" << MINIMUM_BALANCE << \"\ \"
       << \"Monthly charge: \\t\\tno \ \"
       << \"---------------------------------------------------------- \ \ \";
} //end printStatement

void noServiceChargeChecking::writeCheck() //prompts for recepient & total. creates new balance. for this class
{
       cout << \"Name of the recepient: \";
       cin >> newName;
       checkingAccount::setCheckRec(newName);
       cout << \"Check total: \";
       cin >> newCheckAmt;
       checkingAccount::setCheck(newCheckAmt);
       cout << \"Creating check... \ \";
       if (bankAccount::getBalance() > checkingAccount::getCheck()) //makes sure that the balance doesn\'t fall in the (-)s
       {
           bankAccount::setBalance(bankAccount::getBalance() - checkingAccount::getCheck());
           if (bankAccount::getBalance() < MINIMUM_BALANCE) //makes sure that the balance doesn\'t full under mini balance
           {
               bankAccount::setBalance(bankAccount::getBalance() + checkingAccount::getCheck());
               cout << \"Check denied: passing minimal balance \ \ \";
           } //end if
           else
           {
               cout << \"Success! \ \"
                   << \"Recepient: \\t\" << checkingAccount::getCheckRec() << \"\ \"
                   << \"Check total: \\t\" << checkingAccount::getCheck() << \"\ \";
           } //end else
       } //end if
       else
           cout << \"Check denied \ \ \";
       cout << \"Balance: \\t\" << bankAccount::getBalance() << \"\ \ \";
  
} //end writeCheck()

void noServiceChargeChecking::calcWithBal() //calcs new balance after withdrawal
{
   if (bankAccount::getBalance() > bankAccount::getWithdraw()) //makes sure that the balance doesn\'t fall in the (-)s
   {
       bankAccount::setBalance(bankAccount::getBalance() - bankAccount::getWithdraw());
       if (bankAccount::getBalance() < MINIMUM_BALANCE) //makes sure that the balance doesn\'t full under mini balance
       {
           bankAccount::setBalance(bankAccount::getBalance() + bankAccount::getWithdraw());
           cout << \"Withrawal denied: passing minimal balance of: \" << MINIMUM_BALANCE << \"\ \ \";
       } //end if
   } //end if
   else
       cout << \"Withdrawal denied \ \ \";

} //end calcWithBal

void noServiceChargeChecking::withdrawing() //does the process of withdrawing
{
   cout << \"How much would you like to withdraw?: \";
   cin >> withdraw;
   bankAccount::setWithdrawAmt(withdraw);
   cout << \"Withdrawing... \ \";
   noServiceChargeChecking::calcWithBal(); //makes sures that a withdrawal won\'t take more than mini balance
   cout << \"Balance: \\t\" << bankAccount::getBalance() << \"\ \ \";
} //end withdrawing

savingsAccount.h

#ifndef SAVINGSACCOUNT_H
#define SAVINGSACCOUNT_H

#include \"bankAccount.h\"
#include <string>

using namespace std;

//inherits from bankAccount
//pays interest
class savingsAccount : public bankAccount
{
public:
   //accessors
   //remember: accessors from bankAccount will be accessed

   //mutators
   //remember: mutators from bankAccount will be accessed

   //constructor with default parameters
   //upon instatiating, these parameters will be created
   savingsAccount(string dName = \"\", long dAccountNumber = 0, double dBalance = 530.50, double dDepositAmt = 0, double dWithdrawAmt = 0);

   //other functions
   //remember: other functions from bankAccount will be accessed
   virtual void printStatement(); //prints the monthly statement for this specific class

private:
   const double INTEREST = 0.02;
  

};

#endif // !SAVINGSACCOUNT_H

savingsAccount.cpp

#include \"savingsAccount.h\"
#include <iostream>
#include <string>

using namespace std;

//constructor with default parameters
//upon instatiating, these parameters will be created
savingsAccount::savingsAccount(string dName, long dAccountNumber, double dBalance, double dDepositAmt, double dWithdrawAmt)
{
   bankAccount::setName(dName);
   bankAccount::setAccountNum(dAccountNumber);
   bankAccount::setBalance(dBalance);
   bankAccount::setDepositAmt(dDepositAmt);
   bankAccount::setWithdrawAmt(dWithdrawAmt);
} //end savingsAccount

//other functions
void savingsAccount::printStatement() //prints the monthly statement for this specific class
{
   cout << \"------------------------------------------- \ \"
       << \"\\t Savings account \ \ \"
       << \"Name: \\t\\t\\t\\t\" << bankAccount::getName() << \"\ \"
       << \"Account Number: \\t\\t\" << bankAccount::getAccountNum() << \"\ \"
       << \"Current Balance: \\t\\t\" << bankAccount::getBalance() << \"\ \"
       << \"Interest: \\t\\t\\t\" << INTEREST << \"\ \"
       << \"Minimum balance: \\t\\tno \ \"
       << \"------------------------------------------- \ \ \";
} //end printStatement

serviceChargeChecking.h

#ifndef SERVICECHARGECHECKING_H
#define SERVICECHARGECHECKING_H

#include \"checkingAccount.h\"
#include <string>

using namespace std;

class serviceChargeChecking : public checkingAccount
{
public:
   //accessors
   //remember: accessors from checkingAccount and bankAccount are accessed
   int getTotalChecks(); //gets the amount of checks used
   int getRemCheck(); //gets the remaining number of checks

   //mutators
   //remember: mutators from checkingAccount and bankAccount are accessed
  
   //constructor with default parameters
   //upon instatiating, these parameters will be created
   serviceChargeChecking(string dName = \"\", long dAccountNumber = 0, double dBalance = 500.50, double dDepositAmt = 0, double dWithdrawAmt = 0, string dCheckRec = \"\", double dCheckAmt = 0);

   //other functions
   void printStatement(); //prints the monthly statement for this specific class
   void writeCheck(); //prompts for recepient & total. creates new balance. for this specific class

private:
   const int NUM_OF_CHECKS = 10; //only 10 checks can be written in a month
   string newName; //ex: Maria
   double newCheckAmt; //ex: 50.00 or 50
   int totalChecks = 0; //amount of checks the user has used and will be increment after each usage
};

#endif // !SERVICECHARGECHECKING_H

serviceChargeChecking.cpp

#include \"serviceChargeChecking.h\"
#include <iostream>
#include <string>

using namespace std;

//accessors
int serviceChargeChecking::getTotalChecks() //gets the amount of checks used
{
   return totalChecks; //outputs the total amount of checks that have been used
} //end getTotalChecks

int serviceChargeChecking::getRemCheck() //gets the remaining number of checks
{
   return NUM_OF_CHECKS - serviceChargeChecking::getTotalChecks(); //outputs the total amount of checks client has
} //end getRemCheck

//constructor
//variables in the parameters can over write the defaults
serviceChargeChecking::serviceChargeChecking(string dName, long dAccountNumber, double dBalance, double dDepositAmt, double dWithdrawAmt, string dCheckRec, double dCheckAmt)
{
   bankAccount::setName(dName);
   bankAccount::setAccountNum(dAccountNumber);
   bankAccount::setBalance(dBalance);
   bankAccount::setDepositAmt(dDepositAmt);
   bankAccount::setWithdrawAmt(dWithdrawAmt);
   checkingAccount::setCheckRec(dCheckRec);
   checkingAccount::setCheck(dCheckAmt);
} //end serviceChargeChecking

//other functions
void serviceChargeChecking::printStatement() //prints the monthly statement
{
   cout << \"------------------------------------------------------ \ \"
       << \"\\t Checking account with service charge \ \ \"
       << \"Name: \\t\\t\\t\\t\" << bankAccount::getName() << \"\ \"
       << \"Account Number: \\t\\t\" << bankAccount::getAccountNum() << \"\ \"
       << \"Current Balance: \\t\\t\" << bankAccount::getBalance() << \"\ \"
       << \"Total checks per month: \\t\" << NUM_OF_CHECKS << \"\ \"
       << \"Total checks left: \\t\\t\" << serviceChargeChecking::getRemCheck() << \"\ \"
       << \"No interest \ \"
       << \"No minimum balance \ \"
       << \"------------------------------------------------------ \ \ \";
} //end printStatement

void serviceChargeChecking::writeCheck() //prompts for recepient & total. creates new balance.
{
   //this will determine if the user has checks left to create one else it will deny them to write a check
   if (totalChecks <= NUM_OF_CHECKS)
   {
       cout << \"Name of the recepient: \";
       cin >> newName;
       checkingAccount::setCheckRec(newName);
       cout << \"Check total: \";
       cin >> newCheckAmt;
       checkingAccount::setCheck(newCheckAmt);
       cout << \"Creating check... \ \";
       if (bankAccount::getBalance() > checkingAccount::getCheck()) //makes sure that the balance doesn\'t fall in the (-)s
       {
           bankAccount::setBalance(bankAccount::getBalance() - checkingAccount::getCheck());
           cout << \"Success! \ \"
               << \"Recepient: \\t\" << checkingAccount::getCheckRec() << \"\ \"
               << \"Check total: \\t\" << checkingAccount::getCheck() << \"\ \";
       } //end if
       else
           cout << \"Check denied \ \ \"; //if (-) will deny it
       cout << \"Balance: \\t\" << bankAccount::getBalance() << \"\ \ \";
       totalChecks++; //increments to keep track of the amount of checks used
   } //end if
   else
       cout << \"You no longer have checks \ \ \";
  
} //end writeCheck