Account[] accounts;
// 1. allocate the array (initially all the pointers are null)
accounts = new Account[100];
// 2. allocate 100 Account objects, and store their pointers in the array
for (int i=0; i<accounts.length; i++) {
accounts[i] = new Account();
}
// 3. call a method on one of the accounts in the array
account[0].deposit(100);