*Loan,banking and credit>>>tax accounting

Are bank accounts taxed? if i don't have a lot of money, is it worth it to have money in the bank?

Accounts are not taxed. INTEREST the bank pays you MAY qualify for taxation. Even if it does you still come out ahead. Yes, you should put your money in a bank. Safer and won't cost you anything. Just make sure you open the right kind of account and understand the rules. If you do you should be able to avoid any service fees.

There's no tax if your income is very low. Banking your money is always a good idea. Ask your bank to help you select an account that makes sense for you.
Bank Accounts aren't really "taxed"....but if you earn interest from it, the interest will be taxed.
It is worth it for the money to be in a bank...just read the fine print and make sure you understand the institutions fees....sometimes, you need to keep a minimum balance in order to avoid getting charged.
Balances are usually FDIC insured for up to 100,000 dollars.
The money will most likely already be taxed as income and will be on your W2 form, unless it was earned a different way (inherited, won, given as a gift). In this case there is a place on your tax form for you to claim it. If it is an interest-bearing checking account, you pay taxes on the interest only (the bank will send you a form around tax time telling you how much interest has been earned). It works the same way with your savings account - you pay only on the interest.
Savings are not taxed. The interest (however little there is) is taxable. The reason for this difference is that you already paid taxes on the money when you earned it; the interest is new earnings so it gets taxed.

It is a good idea to keep about 4-6 months living expenses in this type of savings in case of an emergency. The rest of any money you have should be in higher interest earning accounts, savings bonds, CD's, 401k, or IRA's. Some of these are taxed annually, and others only when you withdraw your money.
Only the interest is taxed. If you don't have a lot in there, the small amount of interest is going to make very little or no difference on your income tax. If your total income from interest and wages in less than $400, you are not even required to file a tax return, you owe nothing.
Bank accounts are just a vehicle to save money and electronically exercise financial transactions (such as paying bills etc.).

Income is taxed, so if you have a lot of money and make a lot of interest, the interest is considered income and is taxed.

Make sure you open an account with very low or no service charges, there are lots of companies out there now that offer such services.

Happy saving/spending.