diff --git a/bankaccount b/bankaccount
new file mode 100644
index 000000000000..587ca7d189cc
--- /dev/null
+++ b/bankaccount
@@ -0,0 +1,33 @@
+class Account:
+    def __init__(self, filepath):
+        self.filepath=filepath
+        with open(filepath, 'r') as file:
+            self.balance = int(file.read())
+    def withdraw(self, amount):
+        self.balance=self.balance - amount
+    def deposit(self,amount):
+        self.balance=self.balance + amount
+
+    def commit(self):
+        with open(self.filepath,'w') as file:
+            file.write(str(self.balance))
+class Checking(Account):
+    def __init__(self,filepath, fee): 
+        Account.__init__(self,filepath)
+        self.fee=fee
+    def transfer(self,amount):
+        self.balance=self.balance-amount-self.fee
+
+
+"""checking = Checking("balance.txt", 2)
+#checking.deposit(10)
+checking.transfer(10)
+print("available balance:",checking.balance)
+checking.commit()"""
+
+account = Account("balance.txt")
+print("total balance:",account.balance)
+account.withdraw(90)
+account.deposit(10)
+print("available balance:",account.balance)
+account.commit()