Any householder requires some deposit in the bank for emergency. That is, of course, allowed for householders. But we are sannyasi; we are renounced order. We haven't got to accumulate any money. That is the system of Indian philosophy. But those who are householder, family men, they may have some deposit for emergency. Otherwise, those who are renounced order, those who are brahmacari, for them to keep money separately for his maintenance or for accumulating bank balance is not allowed.

>>> Ref. VedaBase => Bhagavad-gita 2.46-47 — New York, March 28, 1966