Passing array's in classes....

[advocation]

Ok, here goes: what i'm trying to do is create my first class, then in my second class create an array of that instance. Here is my code:

    Class transaction
        Private m_name, m_todayDate As String
        Private m_amount, m_change As Double

        Public Property name() As String
            Get
                Return m_name
            End Get
            Set(ByVal Value1 As String)
                m_name = Value1
            End Set
        End Property

        Public Property amount() As Double
            Get
                Return m_amount
            End Get
            Set(ByVal Value2 As Double)
                m_amount = Value2
            End Set
        End Property

        Public Property todayDate() As String
            Get
                Return m_todayDate
            End Get
            Set(ByVal Value3 As String)
                m_todayDate = Value3
            End Set
        End Property


        Public Property change() As Double
            Get
                Return m_change
            End Get
            Set(ByVal Value4 As Double)
                m_change = Value4
            End Set
        End Property

    End Class

    Public Class account
        Public checking As transaction()
        Public savings As transaction()
        Public saveBal As Double
        Public checkBal As Double
    End Class

then...

        check = New account
        check.checking(1).name = "Hello"
        lstTrans.Items.Add(check.checking(1).name)

this will give me an Object reference not set to an instance of an object error. Any ideas???? Thanks!