I have to, quote on quote,
1.Save accounts to a binary (serialized) file. 2.Load (recreate) accounts from a binary (serialized) file.
Assuming you have a class called "account" you simply need to implements Serializable at the top of your class header.
From my understanding, that will serialize all the data into a binary form. You will need to of course still perform the steps to actually write/read the class object out to a file using ObjectOutputStream/ObjectInputStream.
So for example...
public class account implements Serializable
{ ...
}
Then in your main function for example, where you want to save the object, you would create a File, attach it to an ObjectOutputStream and write out your object in binary form.
First hit on google: http://www.javacoffeebreak.com/articles/serialization/index.html - basically you should serialize your object to a file. Then you can load it into an object again later.