Completed Bank Accounts

README.md

@@ -73,24 +73,23 @@ Create an `Account` class which should have the following functionality:
     **Account ID** - (Fixnum) a unique identifier corresponding to an account
     **Owner ID** - (Fixnum) a unique identifier corresponding to an owner
 
-<!--
 ## Wave 3
-Create a `SavingsAccount` class which should inherit behavior from the `Account` class. It should include updated logic with the following functionality:
-- An updated `initialize` method:
-  - The initial balance cannot be less than $10. If it is, this will `raise` an `ArgumentError`
-- An updated `withdraw` method:
+Create a `SavingsAccount` class which should inherit behavior from the `Account` class. It should include the following updated functionality:
+- The initial balance cannot be less than $10. If it is, this will `raise` an `ArgumentError`
+- Updated withdrawal functionality:
   - Each withdrawal 'transaction' incurs a fee of $2 that is taken out of the balance.
   - Does not allow the account to go below the $10 minimum balance - Will output a warning message and return the original un-modified balance
 
-It should include the following new methods:
+It should include the following new method:
 - `#add_interest(rate)`: Calculate the interest on the balance and add the interest to the balance. Return the **interest** that was calculated and added to the balance (not the updated balance).
   - Input rate is assumed to be a percentage (i.e. 0.25).
   - The formula for calculating interest is `balance * rate/100`
     - Example: If the interest rate is 0.25% and the balance is $10,000, then the interest that is returned is $25 and the new balance becomes $10,025.
 
-Create a `CheckingAccount` class which should inherit behavior from the `Account` class. It should include updated logic with the following functionality:
-- `#withdraw(amount)`: The input amount gets taken out of the account as result of an ATM transaction. Each withdrawal 'transaction' incurs a fee of $1 that is taken out of the balance. Returns the updated account balance.
-  - Does not allow the account to go negative. Will output a warning message and return the original un-modified balance.
+Create a `CheckingAccount` class which should inherit behavior from the `Account` class. It should include the following updated functionality:
+- Updated withdrawal functionality:
+  - Each withdrawal 'transaction' incurs a fee of $1 that is taken out of the balance. Returns the updated account balance.
+    - Does not allow the account to go negative. Will output a warning message and return the original un-modified balance.
 - `#withdraw_using_check(amount)`: The input amount gets taken out of the account as a result of a check withdrawal. Returns the updated account balance.
   - Allows the account to go into overdraft up to -$10 but not any lower
   - The user is allowed three free check uses in one month, but any subsequent use adds a $2 transaction fee
@@ -101,16 +100,15 @@ Create a `CheckingAccount` class which should inherit behavior from the `Account
 
 ## Optional:
 
-Create a `MoneyMarketAccount` class with a minimum of 6 specs. The class should inherit behavior from the `Account` class.
+Create a `MoneyMarketAccount` class which should inherit behavior from the `Account` class.
 - A maximum of 6 transactions (deposits or withdrawals) are allowed per month on this account type
-- `self.new(id, initial_balance)`: creates a new instance with the instance variable `id` and 'initial_balance' assigned
-  - The initial balance cannot be less than $10,000 - this will `raise` an `ArgumentError`
-- `#withdraw(amount)`: The input amount gets taken out of the account as result of an ATM transaction. Returns the updated account balance.
+- The initial balance cannot be less than $10,000 - this will `raise` an `ArgumentError`
+- Updated withdrawal logic:
   - If a withdrawal causes the balance to go below $10,000, a fee of $100 is imposed and no more transactions are allowed until the balance is increased using a deposit transaction.
   - Each transaction will be counted against the maximum number of transactions
-- `#deposit(amount)`. Returns the updated account balance.
+- Updated deposit logic:
   - Each transaction will be counted against the maximum number of transactions
   - Exception to the above: A deposit performed to reach or exceed the minimum balance of $10,000 is not counted as part of the 6 transactions.
-- `#add_interest(rate)`: Calculate the interest on the balance and add the interest to the balance. Return the interest that was calculated and added to the balance (not the updated balance). Note** This is the same as the `SavingsAccount` interest.
+- `#add_interest(rate)`: Calculate the interest on the balance and add the interest to the balance. Return the interest that was calculated and added to the balance (not the updated balance).
+    - Note** This is the same as the `SavingsAccount` interest.
 - `#reset_transactions`: Resets the number of transactions to zero
--->

bank-accounts.rb

@@ -1,18 +1,22 @@
 require 'csv'
+require 'money'
+require 'colorize'
+I18n.enforce_available_locales = false
 
 module Bank
 
   class Owner
 
-    attr_accessor :id, :last, :first, :street, :city, :state
+    attr_accessor :id, :last, :first, :street, :city, :state, :accounts
 
-    def initialize(id, last, first, street, city, state)
+    def initialize(id, last, first, street = nil, city = nil, state = nil)
       @id = id.to_i
       @first = first
       @last = last
       @street = street
       @city = city
       @state = state
+      @accounts = {}
     end
 
     def self.all
@@ -35,14 +39,42 @@ def self.find(id)
       end
     end
 
+    def self.master_list # Accounts and their respective owners in one big happy array
+      master_list = []
+      account_owners_csv = CSV.read("./support/account_owners.csv")
+
+      account_owners_csv.each do |row|
+        account = Bank::Account.find(row[0].to_i)
+        account_owner = self.find(row[1].to_i)
+
+        account_owner.accounts[:account] = account
+        master_list.push(account_owner)
+        account.owner = account_owner
+      end
+
+      return master_list
+    end
+
+    def self.find_owner(id) # Find an account from the master_list! Then you can do stuff with it! Yay!
+      master_list = self.master_list
+
+      found = master_list.find do |instance|
+        instance.id.to_i == id
+      end
+
+      return found
+    end
+
   end
 
   class Account
-    # @@id_variable = 1000
 
     attr_reader :balance, :id, :date
     attr_accessor :owner
 
+    FEE = 0
+    MIN_BAL = 0
+
     def initialize(id, initial_balance, open_date = nil, owner = nil)
       @id = id.to_i
       @balance = initial_balance.to_i
@@ -51,22 +83,43 @@ def initialize(id, initial_balance, open_date = nil, owner = nil)
         @date = DateTime.strptime(open_date, "%Y-%m-%d %H:%M:%S %z")
       end
       @owner = owner
+      @colors_array = [:red, :light_red, :green, :light_green, :yellow, :light_yellow, :blue, :light_blue, :magenta, :light_magenta, :cyan, :light_cyan]
 
-      raise ArgumentError if @balance < 0
+      raise ArgumentError.new("You cannot open an account with a negative balance.") if @balance < 0
     end
 
     def withdraw(withdrawal)
-      if withdrawal <= @balance
-        @balance -= withdrawal
+      if withdrawal <= 0
+        print "You can only withdraw a positive amount. "
+
+        return @balance
+      end
+
+      if @balance - withdrawal - self.class::FEE >= self.class::MIN_BAL
+        @balance -= (withdrawal + self.class::FEE) if self.class != MoneyMarketAccount
+        @balance -= withdrawal if self.class == MoneyMarketAccount
+
+        puts "___Withdrawal Receipt___".colorize(@colors_array[rand(0..@colors_array.length-1)])
+        puts "You withdrew: #{Money.new(withdrawal, "USD").format}"
+        puts "Fees: #{Money.new(self.class::FEE, "USD").format}" if self.class != MoneyMarketAccount
+        puts "Your balance: #{Money.new(@balance, "USD").format}" if self.class != MoneyMarketAccount
       else
-        print "You cannot withdraw more than is in your bank account. "
+        print "You cannot withdraw that amount. "
       end
 
       return @balance
     end
 
     def deposit(deposit_amt)
-      @balance += deposit_amt
+      if deposit_amt > 0
+        @balance += deposit_amt
+
+        puts "___Deposit Receipt___".colorize(@colors_array[rand(0..@colors_array.length-1)])
+        puts "You deposited: #{Money.new(deposit_amt, "USD").format}"
+        puts "Your balance: #{Money.new(@balance, "USD").format}"
+      else
+        print "You can only deposit a positive amount. "
+      end
 
       return @balance
     end
@@ -93,29 +146,5 @@ def self.find(id) # Find a particular account from accounts.csv and return its o
       return found
     end
 
-    def self.master_list # Accounts and their respective owners in one big happy array
-      master_list = []
-      account_owners_csv = CSV.read("./support/account_owners.csv")
-
-       account_owners_csv.each do |row|
-        account = self.find(row[0].to_i)
-        owner_of_account = Bank::Owner.find(row[1].to_i)
-
-        account.owner = owner_of_account
-        master_list.push(account)
-      end
-
-      return master_list
-    end
-
-    def self.find_account(id) # Find an account from the master_list! Then you can do stuff with it! Yay!
-      master_list = self.master_list
-
-      found = master_list.find do |instance|
-        instance.id.to_i == id
-      end
-
-      return found
-    end
   end
 end

bank.rb

@@ -0,0 +1,4 @@
+require './bank-accounts.rb'
+require './savings-account.rb'
+require './checking-account.rb'
+require './money-market-account.rb'

checking-account.rb

@@ -0,0 +1,45 @@
+module Bank
+  class CheckingAccount < Account
+
+    FEE = 100
+
+    def initialize(id, initial_balance)
+      super
+
+      @checks = 0
+      puts "Thank you for opening a Checking Account with Daphne's Bank.".colorize(@colors_array[rand(0..@colors_array.length-1)])
+      puts "___Account Summary___".colorize(@colors_array[rand(0..@colors_array.length-1)])
+      puts "Account ID: #{@id}"
+      puts "Initial balance: #{Money.new(@balance, "USD").format}\n\n"
+      puts "Each withdrawal incurs a fee of $1 that is taken out of the balance. Checking accounts may not overdraw except for check withdrawals, which allow account holders to overdraw a maximum of $10. Account holders are allowed three free checks per month, but any subsequent use incurs a $2 transaction fee."
+    end
+
+    def withdraw_using_check(withdrawal)
+      if withdrawal <= 0
+        print "You can only withdraw a positive amount. "
+
+        return @balance
+      end
+
+      if (@balance - withdrawal < -1000 && @checks <= 3) || (@balance - withdrawal - 200 < -1000 && @checks > 3)
+        print "You cannot overdraft your account more than $10. "
+      else
+        @balance -= withdrawal
+        @checks += 1
+        @balance -= 200 if @checks > 3
+        puts "___Check Withdrawal Receipt___".colorize(@colors_array[rand(0..@colors_array.length-1)])
+        puts "You withdrew: #{Money.new(withdrawal, "USD").format}"
+        puts "Number of checks this period: #{@checks}"
+        puts "Fees: #{Money.new(200, "USD").format}" if @checks > 3
+        puts "Your balance: #{Money.new(@balance, "USD").format}"
+      end
+
+      return @balance
+    end
+
+    def reset_checks
+      @checks = 0
+    end
+
+  end
+end

money-market-account.rb

@@ -0,0 +1,62 @@
+module Bank
+  class MoneyMarketAccount < SavingsAccount
+
+    attr_reader :transactions
+
+    FEE = 10000
+
+    def initialize(id, initial_balance)
+      super
+
+      @transactions = 0
+      @lock = false
+      raise ArgumentError.new("Money Market Accounts require a minimum initial balance of $10,000.") if @balance < 1000000
+
+      puts "Thank you for opening a Money Market Account with Daphne's Bank.".colorize(@colors_array[rand(0..@colors_array.length-1)])
+      puts "___Account Summary___".colorize(@colors_array[rand(0..@colors_array.length-1)])
+      puts "Account ID: #{@id}"
+      puts "Initial balance: #{Money.new(@balance, "USD").format}\n\n"
+      puts "A maximum of 6 transactions (deposits or withdrawals) are allowed per month. If a withdrawal causes the balance to go below $10,000, a fee of $100 is imposed and no more transactions are allowed until the balance is increased using a deposit transaction. A deposit performed to reach or exceed the minimum balance of $10,000 is not counted as part of the 6 transactions."
+    end
+
+    def withdraw(withdrawal)
+      if @transactions < 6 && @lock == false
+        @transactions += 1 if withdrawal + 10000 <= @balance && withdrawal > 0
+
+        super
+        if @balance < 1000000
+          @balance -= 10000
+          @lock = true
+          puts "Fees: #{Money.new(self.class::FEE, "USD").format}"
+        end
+        puts "Your balance: #{Money.new(@balance, "USD").format}" if withdrawal > 0
+        puts "Transactions this period: #{@transactions}"
+      else
+        print "Your account is locked until your balance is restored to $10,000. " if @lock
+        print "You have reached your maximum of 6 transactions this month. " if @lock == false
+      end
+
+      return @balance
+    end
+
+    def deposit(deposit_amt)
+      @lock = false if deposit_amt + @balance > 1000000
+
+      if @transactions < 6 && @lock == false
+        @transactions += 1 if @balance >= 1000000 && deposit_amt > 0
+        super
+        puts "Transactions this period: #{@transactions}"
+      else
+        print "Your account is locked until your balance is restored to $10,000. " if @lock
+        print "You have reached your maximum of 6 transactions this month. " if @lock == false
+      end
+
+      return @balance
+    end
+
+    def reset_transactions
+      @transactions = 0
+    end
+
+  end
+end

savings-account.rb

@@ -0,0 +1,33 @@
+module Bank
+  class SavingsAccount < Account
+
+    FEE = 200
+    MIN_BAL = 1000
+
+
+    def initialize(id, initial_balance)
+      super
+
+      raise ArgumentError.new("Savings Accounts require a minimum initial balance of $1,000.") if @balance < 1000
+
+      if self.class != MoneyMarketAccount
+        puts "Thank you for opening a Savings Account with Daphne's Bank.".colorize(@colors_array[rand(0..@colors_array.length-1)])
+        puts "___Account Summary___".colorize(@colors_array[rand(0..@colors_array.length-1)])
+        puts "Account ID: #{@id}"
+        puts "Initial balance: #{Money.new(@balance, "USD").format}\n\n"
+        puts "Each withdrawal incurs a fee of $2 that is taken out of the balance. Account holders must maintain a minimum balance of $10, without  exception."
+      end
+    end
+
+    def add_interest(rate)
+      interest = @balance * rate/100
+      @balance += interest
+      puts "___Interest Receipt___".colorize(@colors_array[rand(0..@colors_array.length-1)])
+      puts "Interest accrued: #{Money.new(interest, "USD").format}"
+      puts "Your balance: #{Money.new(@balance, "USD").format}"
+
+      return interest
+    end
+
+  end
+end