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