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But they are not being created first. That is why you are getting a NullPointerException. If no Account object is created and stored in the array the array will be full of nulls instead.

You did not understand my point. If the Account has not been created how can you perform any functions (withdraw, deposit, etc)? You have to make sure Account objects are created and stored in your...

What happens if user tries to make a deposit before creating an account?