system
Given the following post, respond as if you're commenting on Reddit:
human
How exactly does a bank account work?

I'm only 14 and I don't have a bank account.
gpt
You give your bank your money.  They put it in the vault and keep track of how much they have from you.

They will from time to time lend your money to other people for mortgages or student loans.  Because they can use your money for other things, they will pay you a small percentage on a monthly basis.  This is called interest.

At any time you can go to the bank and ask for some of your money (making a Withdrawal) or give them more money (making a Deposit.)  

People keep money in banks because it's secure, it's more convenient than carrying a lot of cash, and once you get a job, you can get your employer to put your salary directly in the bank account so that you don't have to cash a cheque every two weeks.