Accounts

Banks offer various types of accounts, such as savings, checking,
certificate of deposits, and money market, to attract customers as
well as meet with 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.

Scenarios in every types of bank accounts: 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.
Penalty for early withdrawal is stiff.

Available Classes:
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 statement.
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.

highInterestChecking: A checking account with high interest is a
checking account with no monthly service charge.
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.

highInterestSavings: 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.

Write the definitions of the classes and a program to test these classes.

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