diff --git a/README.md b/README.md
index 756dd11..0b1568c 100644
--- a/README.md
+++ b/README.md
@@ -35,6 +35,11 @@ A dummy application for a bank; should provide various functions of a retail ban
 
 ### Additional Features
 
+
 * A customer can transfer between their accounts
+  *  Done with accountTransfer function in the customer.py Customer class.  Users must own both the from account and to account.  Tested with the testAccountTransfer function in bank_tests.py
 * Change **Maxi-Savings accounts** to have an interest rate of 5% assuming no withdrawals in the past 10 days otherwise 0.1%
-* Interest rates should accrue daily (incl. weekends), rates above are per-annum
\ No newline at end of file
+
+  * Done with the interestEarned function in account.py that tests if the last withdraw(amount <0) transaction occured less than 10 days ago for maxi savings.  Tested with the test_maxi_savings_account and test_maxi_savings_withdraw functions within the bank_tests.py
+* Interest rates should accrue daily (incl. weekends), rates above are per-annum
+  * Done with the interestEarned function in account.py that will divide the annual interest rate by 365.25.  This assuming that the interestEarned function will be executed once daily. 
diff --git a/abcbank/account.py b/abcbank/account.py
index e010009..3efc760 100644
--- a/abcbank/account.py
+++ b/abcbank/account.py
@@ -1,4 +1,5 @@
 from abcbank.transaction import Transaction
+from datetime import datetime, timedelta
 
 CHECKING = 0
 SAVINGS = 1
@@ -23,21 +24,22 @@ def withdraw(self, amount):
             self.transactions.append(Transaction(-amount))
 
     def interestEarned(self):
+        ##change to include rule for maxi savings where interest is 5% if no withdraw in past 10 days, else 0.1%
         amount = self.sumTransactions()
         if self.accountType == SAVINGS:
             if (amount <= 1000):
-                return amount * 0.001
+                return amount * (0.001/365.25)
             else:
-                return 1 + (amount - 1000) * 0.002
+                return 1 + (amount - 1000) * 0.002/365.25
         if self.accountType == MAXI_SAVINGS:
-            if (amount <= 1000):
-                return amount * 0.02
-            elif (amount <= 2000):
-                return 20 + (amount - 1000) * 0.05
-            else:
-                return 70 + (amount - 2000) * 0.1
+            todaysDate=datetime.now()
+            withdrawTransactions=[t.transactionDate for t in self.transactions if t.amount<0] ##get list  withdraw transactions as amount < zero.
+            if len(withdrawTransactions)>0:
+                if (withdrawTransactions[-1]>(todaysDate-timedelta(days=10))):
+                    return amount * 0.001/365.25
+            return amount * 0.05/365.25
         else:
-            return amount * 0.001
+            return amount * 0.001/365.25
 
     def sumTransactions(self, checkAllTransactions=True):
-        return sum([t.amount for t in self.transactions])
\ No newline at end of file
+        return sum([t.amount for t in self.transactions])
diff --git a/abcbank/customer.py b/abcbank/customer.py
index 7cfd62a..ee68961 100644
--- a/abcbank/customer.py
+++ b/abcbank/customer.py
@@ -16,6 +16,16 @@ def numAccs(self):
     def totalInterestEarned(self):
         return sum([a.interestEarned() for a in self.accounts])
 
+    def accountTransfer(self, fromAccount, toAccount, amount):
+        ##create account transfer system where users can withdraw from one account and deposit into another account within the banking system
+        if  fromAccount not in self.accounts:
+            return 0.0 #only perform transfer if user owns both accounts
+        if  toAccount   not in self.accounts:
+            return 0.0
+        fromAccount.withdraw(amount)
+        toAccount.deposit(amount)
+        return amount
+    
     # This method gets a statement
     def getStatement(self):
         # JIRA-123 Change by Joe Bloggs 29/7/1988 start
diff --git a/tests/bank_tests.py b/tests/bank_tests.py
index 6de98db..ed3aec2 100644
--- a/tests/bank_tests.py
+++ b/tests/bank_tests.py
@@ -19,7 +19,7 @@ def test_checking_account():
     bill = Customer("Bill").openAccount(checkingAccount)
     bank.addCustomer(bill)
     checkingAccount.deposit(100.0)
-    assert_equals(bank.totalInterestPaid(), 0.1)
+    assert_equals(bank.totalInterestPaid(), 0.1/365.25)
 
 
 def test_savings_account():
@@ -27,7 +27,7 @@ def test_savings_account():
     checkingAccount = Account(SAVINGS)
     bank.addCustomer(Customer("Bill").openAccount(checkingAccount))
     checkingAccount.deposit(1500.0)
-    assert_equals(bank.totalInterestPaid(), 2.0)
+    assert_equals(bank.totalInterestPaid(), 1 + (1500 - 1000) * 0.002/365.25)
 
 
 def test_maxi_savings_account():
@@ -35,4 +35,29 @@ def test_maxi_savings_account():
     checkingAccount = Account(MAXI_SAVINGS)
     bank.addCustomer(Customer("Bill").openAccount(checkingAccount))
     checkingAccount.deposit(3000.0)
-    assert_equals(bank.totalInterestPaid(), 170.0)
\ No newline at end of file
+    assert_equals(bank.totalInterestPaid(), 150.0/365.25)
+
+
+def test_maxi_savings_withdraw():
+    bank = Bank()
+    checkingAccount = Account(MAXI_SAVINGS)
+    bank.addCustomer(Customer("Bill").openAccount(checkingAccount))
+    checkingAccount.deposit(3000.0)
+    checkingAccount.withdraw(10)
+    assert_equals(bank.totalInterestPaid(), (3000.0-10.0)*0.001/365.25)
+
+
+
+def testAccountTransfer():
+    bank = Bank()
+    checkingAccount = Account(CHECKING)
+    bill = Customer("Bill").openAccount(checkingAccount)
+    bank.addCustomer(bill)
+    checkingAccount.deposit(100.0)
+    savingAccount = Account(SAVINGS)
+    bill.openAccount(savingAccount )
+    savingAccount.deposit(10000)
+    bill.accountTransfer(savingAccount, checkingAccount, 500)
+    assert_equals(checkingAccount.sumTransactions(), 600.0)
+
+