FAQ: Access, Encapsulation, and Scope - Review

This community-built FAQ covers the “Review” exercise from the lesson “Access, Encapsulation, and Scope”.

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This exercise can be found in the following Codecademy content:

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I tried to make the interest rate more random, but the code doesn’t work. Could you tell me why?

Bank.java:

public class Bank{
  private CheckingAccount accountOne;
  private CheckingAccount accountTwo;
  private CheckingAccount accountThree;

  public Bank(){
    accountOne = new CheckingAccount("Zeus", 100, "1");
    accountTwo = new CheckingAccount("Hades", 200, "2");
    accountThree = new CheckingAccount("Athena", 1000, "3");
  }

  public static void main(String[] args){
    Bank bankOfGods = new Bank();
    System.out.println(bankOfGods.accountOne.getBalance());
    bankOfGods.accountOne.setBalance(5000);
    System.out.println(bankOfGods.accountThree.getBalance());
    System.out.println(bankOfGods.accountThree.getMonthlyInterest());

  }

}

CheckingAccount.java:

import java.util.Random;

public class CheckingAccount{
  private String name;
  private int balance;
  private String id;
  private double interestRate;

  public CheckingAccount(String inputName, int inputBalance, String inputId){
    this.name = inputName;
    this.balance = inputBalance;
    this.id = inputId;
    this.interestRate = this.nextInt(10) / 100;
  }

  public int getBalance(){
    return this.balance;
  }
  
  public void setBalance(int newBalance){
    this.balance = newBalance;
  }

  public double getMonthlyInterest(){
    return this.interestRate * this.balance;
  }

}

hi can anyone explain
private CheckingAccount accountOne;
private CheckingAccount accountTwo;