So , Jimmy , how does it feel to have your own money ?
neutral
user
It ’ s great , dad . I don ’ t mind delivering papers , but the real fun is collecting the money .
happiness
assistant
Even though you are only twelve , it ’ s not too early to start saving a little money .
neutral
user
I ’ Ve never had a bank account before . Why don ’ t I just keep my money under the matters like grandpa does ?
neutral
assistant
You know you would spend it . And also , money in the bank earns interest .
neutral
user
But what if I need my money suddenly ?
neutral
assistant
The bank will give you a PIN , and you can withdraw money from any ATM .
neutral
user
Great ! So it ’ s almost the same as keeping it under the matters !
neutral
assistant
Not quite . You have to maintain a minimum balance of twenty dollars . And sometimes the bank has service charges . But you don ’ t have to worry about that yet . Let ’ s go make your first depot
neutral
user
OK . Guess I have to do that before . I can make money my first withdrawal .
happiness
assistant