Surely your account and user class are the same from your description.
As for your classes, you'd need to define your program more fully before you can be conclusive about the classes you will need to do the job at hand.
You'll need to consider features, and limitations, validations etc.
Once you've written out all the features, their interactions, you'll have a much better idea of what classes you'll need.
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Posting Virtuoso
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since Aug 2008