Banks dates back to the 14th century, the main use of banks is to keep your money safe, or to earn money. You have a special card that allows you to withdraw from the bank, or if you want to deposit, you can deposit it at the bank, or deposit a cheque. When you deposit, the money is kept at the bank, and the bank has a interest rate that adds money to your money, and when you take it out, you have to pay a fee to retrieve it. The more money, and time you are investing into the bank, the more interest rate you get. In the long run, you are the one gaining from this, you should really think about depositing. I believe a lot of your parents has already deposited a large sum of money and is saving as your college funds, use it wisely. BANKS!