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 for early withdrawal is stiff. bankAccount: Every bank account has an account number, the name of the owner, and a balance. Therefore, instance variables such as name, accountNumber, and balance should be declared in the abstract class bankAccount. Some operations common to all types of accounts are retrieve account owner\'s name, account number, and account balance; make deposits; withdraw money; and create monthly statements. So include functions to implement these operations. Some of these functions will be pure virtual. checkingAccount: A checking account is a bank account Therefore, it inherits all the properties of a bank account. Because one of the objectives of a checking account is to be able to write checks, include the pure virtual function writeCheck to write a check. serviceChargeChecking: A service charge checking account is a checking account. Therefore, it inherits all the properties of a checking account. For simplicity, assume that this type of account does not pay any interest, allows the account holder to write a limited number of checks each month, and does not require any minimum balance. Include appropriate named constants, instance variables, and functions in this class. noServiceChargeChecki.

1. 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 for early withdrawal is stiff. bankAccount:
Every bank account has an account number, the name of the owner, and a balance. Therefore,
instance variables such as name, accountNumber, and balance should be declared in the abstract
class bankAccount. Some operations common to all types of accounts are retrieve account
owner's name, account number, and account balance; make deposits; withdraw money; and
create monthly statements. So include functions to implement these operations. Some of these
functions will be pure virtual. checkingAccount: A checking account is a bank account
Therefore, it inherits all the properties of a bank account. Because one of the objectives of a
checking account is to be able to write checks, include the pure virtual function writeCheck to
write a check. serviceChargeChecking: A service charge checking account is a checking account.
Therefore, it inherits all the properties of a checking account. For simplicity, assume that this
type of account does not pay any interest, allows the account holder to write a limited number of
checks each month, and does not require any minimum balance. Include appropriate named
constants, instance variables, and functions in this class. noServiceChargeChecking: A checking
account with no monthly service charge is a checking account. Therefore, it inherits all the
properties of a checking account. Furthermore, this type of account pays interest, allows the
account holder to write checks, and requires a minimum balance. highlnterestChecking: A
checking account with high interest is a checking account with nomonthly service charge.

2. Therefore, it inherits all the properties of a no service charge checking account. Furthermore, this
type of account pays higher interest and requires a higher minimum balance than the no service
charge checking account savingsAccount: A savings account is a bank account. Therefore, it
inherits all the properties of a bank account. Furthermore, a savings account also pays interest.
highlnterestSavings: A high-interest savings account is a savings account. Therefore, it inherits
all the properties of a savings account. It also requires a minimum balance. certificateOfDeposit:
A certificate of deposit account is a bank account. Therefore, it inherits all the properties of a
bank account. In addition, it has instance variables to store the number of CD maturity months,
interest rate, and the current CD month.
Solution
testAccounts.cpp
#include
#include
#include
#include "bankAccount.h"
#include "checkingAccount.h"
#include "serviceChargeChecking.h"
#include "noServiceChargeChecking.h"
#include "highInterestChecking.h"
#include "savingsAccount.h"
#include "highInterestSavings.h"
#include "certificateOfDeposit.h"
using namespace std;
void TestCheckingWithService()
{
serviceChargeChecking acct(123,"John Doe", 1000); // creates a object from
serviceChargeChecking
char input=0; // user input
double amount; // user money amount
cout << "ttTesting Checking with Service Charge" << endl << endl;
cout << "Current account overview:" << endl;
acct.printSummary(); // calls printSummary of the objects class
cout << endl;
while (input != 'x') // loop will continue until user enters x to exit the program. users input will

3. call the function of the objects parent's class if not x.
{
cout << "Select a transaction:" << endl;
cout << "1 - Make a Withdrawal" << endl;
cout << "2 - Make a Deposit" << endl;
cout << "3 - Print Summary" << endl;
cout << "4 - Print Monthly Statement" << endl;
cout << "5 - Write a check" << endl;
cout << "x - Exit Program" << endl;
cout << "Enter choice: ";
cin >> input;
switch (input) // switch case to determine what the user wants to do.
{
case '1':
cout << "Enter amount: ";
cin >> amount;
acct.withdraw(amount);
break;
case '2':
cout << "Enter amount: ";
cin >> amount;
acct.deposit(amount);
break;
case '3':
acct.printSummary();
break;
case '4':
acct.printStatement();
break;
case '5':
cout << "Enter amount: ";
cin >> amount;
acct.writeCheck(amount);
break;
case '6':
break;

4. case 'x':
break;
default:
cout << "Invalid choice" << endl;
break;
}
acct.printSummary();
cout << endl;
}
}
void TestCheckingNoService()
{
noServiceChargeChecking acct(123,"John Doe", 1000); // creates a object from
noServiceChargeChecking
char input=0; // user input
double amount; // user money amount
cout << "ttTesting Checking without Service Charge" << endl << endl;
cout << "Current account overview:" << endl;
acct.printSummary(); // calls printSummary of the objects class
cout << endl;
while (input != 'x') // loop will continue until user enters x to exit the program. users input will
call the function of the objects parent's class if not x.
{
cout << "Select a transaction:" << endl;
cout << "1 - Make a Withdrawal" << endl;
cout << "2 - Make a Deposit" << endl;
cout << "3 - Print Summary" << endl;
cout << "4 - Print Monthly Statement" << endl;
cout << "5 - Write a check" << endl;
cout << "x - Exit Program" << endl;
cout << "Enter choice: ";
cin >> input;
switch (input) // switch case to determine what the user wants to do.
{
case '1':
cout << "Enter amount: ";

5. cin >> amount;
acct.withdraw(amount);
break;
case '2':
cout << "Enter amount: ";
cin >> amount;
acct.deposit(amount);
break;
case '3':
acct.printSummary();
break;
case '4':
acct.printStatement();
break;
case '5':
cout << "Enter amount: ";
cin >> amount;
acct.writeCheck(amount);
break;
case '6':
break;
case 'x':
break;
default:
cout << "Invalid choice" << endl;
break;
}
acct.printSummary();
cout << endl;
}
}
void TestCheckingHighInterest()
{
highInterestChecking acct(123,"John Doe", 1000); // creates a object from
highInterestChecking
char input=0; // user input

6. double amount; // user money amount
cout << "ttTesting Checking with High Interest" << endl << endl;
cout << "Current account overview:" << endl;
acct.printSummary(); // calls printSummary of the objects class
cout << endl;
while (input != 'x') // loop will continue until user enters x to exit the program. users input will
call the function of the objects parent's class if not x.
{
cout << "Select a transaction:" << endl;
cout << "1 - Make a Withdrawal" << endl;
cout << "2 - Make a Deposit" << endl;
cout << "3 - Print Summary" << endl;
cout << "4 - Print Monthly Statement" << endl;
cout << "5 - Write a check" << endl;
cout << "x - Exit Program" << endl;
cout << "Enter choice: ";
cin >> input;
switch (input) // switch case to determine what the user wants to do.
{
case '1':
cout << "Enter amount: ";
cin >> amount;
acct.withdraw(amount);
break;
case '2':
cout << "Enter amount: ";
cin >> amount;
acct.deposit(amount);
break;
case '3':
acct.printSummary();
break;
case '4':
acct.printStatement();
break;
case '5':

7. cout << "Enter amount: ";
cin >> amount;
acct.writeCheck(amount);
break;
case '6':
break;
case 'x':
break;
default:
cout << "Invalid choice" << endl;
break;
}
acct.printSummary();
cout << endl;
}
}
void TestSavings()
{
savingsAccount acct(123,"John Doe", 1000); // creates a object from savingsAccount
char input=0; // user input
double amount; // user money amount
cout << "ttTesting Regular Savings" << endl << endl;
cout << "Current account overview:" << endl;
acct.printSummary(); // calls printSummary of the objects class
cout << endl;
while (input != 'x') // loop will continue until user enters x to exit the program. users input will
call the function of the objects parent's class if not x.
{
cout << "Select a transaction:" << endl;
cout << "1 - Make a Withdrawal" << endl;
cout << "2 - Make a Deposit" << endl;
cout << "3 - Print Summary" << endl;
cout << "4 - Print Monthly Statement" << endl;
cout << "x - Exit Program" << endl;
cout << "Enter choice: ";
cin >> input;

8. switch (input) // switch case to determine what the user wants to do.
{
case '1':
cout << "Enter amount: ";
cin >> amount;
acct.withdraw(amount);
break;
case '2':
cout << "Enter amount: ";
cin >> amount;
acct.deposit(amount);
break;
case '3':
acct.printSummary();
break;
case '4':
acct.printStatement();
break;
case 'x':
break;
default:
cout << "Invalid choice" << endl;
break;
}
acct.printSummary();
cout << endl;
}
}
void TestSavingsHighInterest()
{
highInterestSavings acct(123,"John Doe", 8000); // creates a object from highInterestSavings
char input=0; // user input
double amount; // user money amount
cout << "ttTesting High Interest Savings" << endl << endl;
cout << "Current account overview:" << endl;
acct.printSummary(); // calls printSummary of the objects class

9. cout << endl;
while (input != 'x') // loop will continue until user enters x to exit the program. users input will
call the function of the objects parent's class if not x.
{
cout << "Select a transaction:" << endl;
cout << "1 - Make a Withdrawal" << endl;
cout << "2 - Make a Deposit" << endl;
cout << "3 - Print Summary" << endl;
cout << "4 - Print Monthly Statement" << endl;
cout << "x - Exit Program" << endl;
cout << "Enter choice: ";
cin >> input;
switch (input) // switch case to determine what the user wants to do.
{
case '1':
cout << "Enter amount: ";
cin >> amount;
acct.withdraw(amount);
break;
case '2':
cout << "Enter amount: ";
cin >> amount;
acct.deposit(amount);
break;
case '3':
acct.printSummary();
break;
case '4':
acct.printStatement();
break;
case 'x':
break;
default:
cout << "Invalid choice" << endl;
break;
}

10. acct.printSummary();
cout << endl;
}
}
void TestCertificateOfDeposit()
{
certificateOfDeposit acct(123,"John Doe", 10000, 6); // creates a object from
certificateOfDeposit
char input=0; // user input
double amount; // user money amount
cout << "ttTesting High Interest Savings" << endl << endl;
cout << "Current account overview:" << endl;
acct.printSummary(); // calls printSummary of the objects class
cout << endl;
while (input != 'x') // loop will continue until user enters x to exit the program. users input will
call the function of the objects parent's class if not x.
{
cout << "Select a transaction:" << endl;
cout << "1 - Make a Withdrawal" << endl;
cout << "2 - Make a Deposit" << endl;
cout << "3 - Print Summary" << endl;
cout << "4 - Print Monthly Statement" << endl;
cout << "x - Exit Program" << endl;
cout << "Enter choice: ";
cin >> input;
switch (input) // switch case to determine what the user wants to do.
{
case '1':
cout << "Enter amount: ";
cin >> amount;
acct.withdraw(amount);
break;
case '2':
cout << "Enter amount: ";
cin >> amount;
acct.deposit(amount);

11. break;
case '3':
acct.printSummary();
break;
case '4':
acct.printStatement();
break;
case 'x':
break;
default:
cout << "Invalid choice" << endl;
break;
}
acct.printSummary();
cout << endl;
}
}
int main()
{
char input; // user's input
cout << "ttWelcome to the testing Bank" << endl << endl;
cout << "WWhich account do you want?" << endl;
cout << "1 - Checking with Service Charge" << endl;
cout << "2 - Checking without Service Charge" << endl;
cout << "3 - Checking with High Interest" << endl;
cout << "4 - Savings" << endl;
cout << "5 - Savings with High Interest" << endl;
cout << "6 - Certificate of Deposit" << endl;
cout << "Enter choice: ";
cin >> input;
switch (input) // switch case to determine which account type the user wants
{
case '1':
TestCheckingWithService();
break;
case '2':

12. TestCheckingNoService();
break;
case '3':
TestCheckingHighInterest();
break;
case '4':
TestSavings();
break;
case '5':
TestSavingsHighInterest();
break;
case '6':
TestCertificateOfDeposit();
break;
default:
cout << "Invalid choice" << endl;
break;
}
}
bankAccount.h
#ifndef H_bankAccount
#define H_bankAccount
#include
#include
#include
using namespace std;
class bankAccount // abstract class
{
public:
// constructor
bankAccount(int acctNum, string name, double initialBalance);
// accesors
string get_Name();
int get_AcctNumber();
double get_Balance();
// function

13. void deposit(double amount);
// pure virtual functions
virtual void withdraw(double amount) = 0;
virtual void printStatement() = 0;
// virtual function
virtual void printSummary()
{
// formats the output correctly
cout << setw(60) << setfill('-') << "" << setfill(' ') << endl;
cout << endl << setw(25) << "" << "Account Summary" << endl << endl;
cout << setw(25) << "Name: " << m_Name << endl;
cout << setw(25) << "Account #: " << m_AcctNumber << endl;
cout << setw(25) << "Current Balance: $" << m_Balance << endl;
}
protected:
// variables
string m_Name;
int m_AcctNumber;
double m_Balance;
};// end of abstract class
#endif // !H_bankAccount
checkingAccount.h
#ifndef H_checkingAccount
#define H_checkingAccount
#include "bankAccount.h"
class checkingAccount :
public bankAccount // inheriting bankAccount as public
{
public:
// constructor
checkingAccount(int acctNum, string name, double initialBalance);
// functions
void withdraw(double amount);
void printStatement();
// pure virtual function

14. virtual void writeCheck(double amount) = 0;
protected:
// variables
double m_InterestRate;
int m_ChecksRemaining;
double m_MinimumBalance;
}; // end of abstract class
#endif // !H_checkingAccount
bankAccount.cpp
#include "bankAccount.h"
#include
#include
#include
using namespace std;
bankAccount::bankAccount(int acctNum, string name, double initialBalance) // constructor
{
m_AcctNumber = acctNum;
m_Name = name;
m_Balance = initialBalance;
}
string bankAccount::get_Name() // accesor to retrieve bank account name
{
return m_Name;
}
int bankAccount::get_AcctNumber() // accesor to retrieve bank account number
{
return m_AcctNumber;
}
double bankAccount::get_Balance() // accesor to retrieve bank account ballance
{
return m_Balance;
}
void bankAccount::deposit(double amount) // function to add a certain amount to the total
deposit
{

15. m_Balance += amount;
cout << "$" << amount << " has been deposited to your account" << endl;
}
certificateOfDeposit.h
#ifndef H_certificateOfDeposit
#define H_certificateOfDeposit
#include "bankAccount.h"
class certificateOfDeposit : public bankAccount // inheriting bankAccount as public
{
public:
// constructor
certificateOfDeposit(int acctNum, string name, double initialBalance, int matMon);
// functions
void withdraw(double amount);
void printSummary();
void printStatement();
private:
// variables
double m_InterestRate;
int m_MaturityMonths;
int m_CurrentMonth;
}; // end of class
#endif // !H_certificateOfDeposit
certificateOfDeposit.cpp
#include "certificateOfDeposit.h"
certificateOfDeposit::certificateOfDeposit(int acctNum, string name, double initialBalance, int
matMon) // default constructor that calls the parant class constructor
: bankAccount(acctNum, name, initialBalance) // parent classes' default constructor is called
{
// variables
m_MaturityMonths = matMon;
m_CurrentMonth = 1;
m_InterestRate = 4.75;
}

16. void certificateOfDeposit::withdraw(double amount) // function to withdraw money from
balance
{
if (m_Balance - amount < 0) // checks to see if the balance will not be zero if money is
withdrawned
{
cout << "Declined: Insufficient funds remain to withdraw that amount" << endl; // true
statment is trigered
return;
}
m_Balance -= amount; // withdraws money if the if statement is not true
}
void certificateOfDeposit::printSummary() // prints a summary of the account
{
// Use parent class to print standard info
bankAccount::printSummary(); // calls the parent classes' printSummary function
// formats the rest of the info correctly
cout << setw(25) << "Interest rate: " << m_InterestRate << "%" << endl;
cout << setw(25) << "Maturity Months: " << m_MaturityMonths << endl;
cout << setw(25) << "Current Month: " << m_CurrentMonth << endl;
cout << endl << setw(60) << setfill('-') << "" << setfill(' ') << endl;
}
void certificateOfDeposit::printStatement() // prints a monthly statement of the account
{
printSummary();
cout << "printStatement is not implemented in the program" << endl;
}
checkingAccount.cpp
#include "checkingAccount.h"
checkingAccount::checkingAccount(int acctNum, string name, double initialBalance) // default
contructor
: bankAccount(acctNum, name, initialBalance)
{
// due to this class being abstract, it will not be called to create a object
}

17. void checkingAccount::withdraw(double amount)
{
if (m_Balance - amount < 0) // checks to see if the account balance will not be below zero to
withdraw money
{
cout << "Declined: Insufficient funds remain to withdraw that amount" << endl; // true
statemant is trigered
return;
}
if (m_Balance - amount < m_MinimumBalance) // checks to see if the balance will not be
below the minium balance when withdrawing
{
cout << "Declined: Minimum balance requirement prohibits this withdrawal" << endl; //
true statemant is trigered
return;
}
m_Balance -= amount; // withdraws money if if statemant were not trigered
}
void checkingAccount::printStatement() // prints monthly statemant of account
{
printSummary();
cout << endl << "printStatement is not implemented in the program" << endl << endl;
}
highInterestChecking.h
#ifndef H_highInterestChecking
#define H_highInterestChecking
#include "noServiceChargeChecking.h"
class highInterestChecking :
public noServiceChargeChecking // inheriting noServiceChargeChecking as public
{
public:
// only has constructor due to this class only modifying the already created variables in the
parant class
highInterestChecking(int acctNum, string name, double initialBalance);
}; // end of class
#endif // !H_highInterestChecking

18. highInterestChecking.cpp
#include "highInterestChecking.h"
highInterestChecking::highInterestChecking(int acctNum, string name, double initialBalance)
: noServiceChargeChecking(acctNum, name, initialBalance) // modifies the parants classes
interest rate and minimun balance
{
// variables
m_InterestRate = 5.0; // Higher interest rate
m_ChecksRemaining = -1; // -1 indicates no limit
m_MinimumBalance = 1000; // Minimum balance
}
highInterestSavings.h
#ifndef H_highInterestSavings
#define H_highInterestSavings
#include "savingsAccount.h"
class highInterestSavings :
public savingsAccount // inheriting savingsAccount as public
{
public:
// cunstructor
highInterestSavings(int acctNum, string name, double initialBalance);
// functions
void withdraw(double amount);
void printSummary();
protected:
// variable
double m_MinimumBalance;
}; // end of class
#endif // !H_highInterestSavings
highInterestSavings.cpp
#include "highInterestSavings.h"
highInterestSavings::highInterestSavings(int acctNum, string name, double initialBalance) //
default cunstructor
: savingsAccount(acctNum, name, initialBalance) // calling the parent classes' default

19. constructor
{
m_MinimumBalance = 5000; // sets the minimum balance to 5000
}
void highInterestSavings::withdraw(double amount)
{
if (m_Balance - amount < 0) // checks to see if the balance will not be below zero if
withdrawing
{
cout << "Declined: Insufficient funds remain to withdraw that amount" << endl; // true
statemant is trigered
return;
}
if (m_Balance - amount < m_MinimumBalance) // checks to see if the balance will not be
below the 5000 minimum
{
cout << "Declined: Minimum balance requirement prohibits this withdrawal" << endl; //
true statemant is trigered
return;
}
m_Balance -= amount; // withdraws money if if statemants are not trigered
}
void highInterestSavings::printSummary()
{
// Uses the already created parents classes print function for standard information
bankAccount::printSummary(); // calling bankAccount's print function
// formats the output corectly for the new information
cout << setw(25) << "Interest rate: " << m_InterestRate << "%" << endl;
cout << setw(25) << "Minimum Balance: $" << m_MinimumBalance << endl << endl;
cout << setw(60) << setfill('-') << "" << setfill(' ') << endl;
}
noServiceChargeChecking.h
#ifndef H_noServiceChargeChecking
#define H_noServiceChargeChecking
#include "checkingAccount.h"
class noServiceChargeChecking :

20. public checkingAccount
{
public:
// constructor
noServiceChargeChecking(int acctNum, string name, double initialBalance);
// functions
void writeCheck(double amount);
void printSummary();
};
#endif // !H_noServiceChargeChecking
noServiceChargeChecking.cpp
#include "noServiceChargeChecking.h"
noServiceChargeChecking::noServiceChargeChecking(int acctNum, string name, double
initialBalance) // default constructor
: checkingAccount(acctNum, name, initialBalance) // callin the parents default cunstructor
{
m_InterestRate = 2.5; // Some interest rate
m_ChecksRemaining = -1; // -1 indicates no limit
m_MinimumBalance = 500; // Minimum balance
}
void noServiceChargeChecking::writeCheck(double amount)
{
if (m_Balance - amount < 0) // checks to see if balance will be below zero if money is
withdrawned
{
cout << "Declined: Insufficient funds remain to withdraw that amount" << endl; // true
statemant is trigered
return;
}
m_Balance -= amount; // Assume check is cashed immediately
}
void noServiceChargeChecking::printSummary()
{
// uses parants class print function for standard info

21. bankAccount::printSummary(); // calls the parants classes' printSummary function
// formats new info corectly for output
cout << setw(25) << "Interest rate: " << m_InterestRate << "%" << endl;
cout << setw(25) << "Minimum Balance: $" << m_MinimumBalance << endl;
cout << setw(25) << "Unlimited checks " << endl;
cout << setw(25) << "No monthly service fee " << endl;
cout << setw(60) << setfill('-') << "" << setfill(' ') << endl;
}
savingsAccount.h
#ifndef H_savingsAccount
#define H_savingsAccount
#include "bankAccount.h"
class savingsAccount :
public bankAccount // inherits bankAccount as public
{
public:
// constructor
savingsAccount(int acctNum, string name, double initialBalance);
// functions
void withdraw(double amount);
void printSummary();
void printStatement();
protected:
double m_InterestRate;
};
#endif // !H_savingsAccount
savingsAccount.cpp
#include "savingsAccount.h"
savingsAccount::savingsAccount(int acctNum, string name, double initialBalance) // default
constructor
: bankAccount(acctNum, name, initialBalance) // calls the default constructor of the parant
class
{
m_InterestRate = 3.99; // sets the default interest rate to 3.99
}

22. void savingsAccount::withdraw(double amount)
{
if (m_Balance - amount < 0) // checks to see if the balance will be below zero when money is
withdrawned
{
cout << "Declined: Insufficient funds remain to withdraw that amount" << endl; // true
statemant is trigered
return;
}
m_Balance -= amount; // withdraws money from balance if if statemants are not triggered
}
void savingsAccount::printSummary()
{
// Uses the parants classes print function for the standard info
bankAccount::printSummary(); // calls the parants classes print function
// formats the new information correctly
cout << setw(25) << "Interest rate: " << m_InterestRate << "%" << endl << endl;
cout << setw(60) << setfill('-') << "" << setfill(' ') << endl;
}
void savingsAccount::printStatement() // prints the monthly statement
{
printSummary();
cout << "printStatement is not implemented" << endl;
}
serviceChargeChecking.h
#ifndef H_serviceChargeChecking
#define H_serviceChargeChecking
#include "checkingAccount.h"
class serviceChargeChecking :
public checkingAccount // inherits checkingAccount as public
{
public:
// constructor
serviceChargeChecking(int acctNum, string name, double initialBalance);
// functions

23. void writeCheck(double amount);
void printSummary();
};
#endif // !H_serviceChargeChecking
serviceChargeChecking.cpp
#include "serviceChargeChecking.h"
const int MAX_CHECKS = 5; // sets the max amount of checks that can be written
const double SVC_CHARGE = 10.0l; // monthly service fee
serviceChargeChecking::serviceChargeChecking(int acctNum, string name, double
initialBalance) // default constructor
: checkingAccount(acctNum, name, initialBalance) // calling the constructor of the parant
class
{
m_InterestRate = 0; // No interest
m_ChecksRemaining = MAX_CHECKS; // Limit of 5 checks
m_MinimumBalance = 0; // No minimum balance
}
void serviceChargeChecking::writeCheck(double amount) // function to write a check that will
be cashed later on
{
if (m_ChecksRemaining == 0) // checks to see if there are any remain checks
{
cout << "Declined: No more checks remaining this month" << endl; // true statemant
trigered
return;
}
if (m_Balance - amount < 0) // checks to see if the balance will be below zero when a check is
written
{
cout << "Declined: Insufficient funds remain to withdraw that amount" << endl; // true
statemant trigered
return;
}
m_ChecksRemaining--; // one check is removed if there are remaining checks
m_Balance -= amount; // balance goes down when the check is cashed
}

24. void serviceChargeChecking::printSummary()
{
// Uses parants classes' print functions for the basic info
bankAccount::printSummary(); // calls the parants classes printSummary function
// correctly formats the output of the new data
cout << setw(25) << "Checks remaining: " << m_ChecksRemaining << endl;
cout << setw(25) << "Monthly service fee: $" << SVC_CHARGE << endl;
cout << setw(25) << "No interest " << endl;
cout << setw(25) << "No Minimum Balance " << endl;
cout << setw(60) << setfill('-') << "" << setfill(' ') << endl;
}
highInterestCheckingImp.cpp
#include "highInterestChecking.h"
highInterestChecking::highInterestChecking(int acctNum, string name, double initialBalance)
: noServiceChargeChecking(acctNum, name, initialBalance) // modifies the parants classes
interest rate and minimun balance
{
// variables
m_InterestRate = 5.0; // Higher interest rate
m_ChecksRemaining = -1; // -1 indicates no limit
m_MinimumBalance = 1000; // Minimum balance
}