what am i? i'm always running but i can not walk. i have two banks but no money. i own a bed but i never sleep. what am i?

How about a stream or river?

A creek?

To solve this riddle, let's look at the clues provided:

1. "I'm always running but I cannot walk": This means the answer is something that is always running but cannot physically walk.
2. "I have two banks but no money": This suggests that the answer has two banks, which likely refers to river banks or the banks of a road.
3. "I own a bed but I never sleep": This indicates that the answer owns a bed but doesn't sleep, so it can't be a person or any living creature.

Based on these clues, the answer to the riddle is a "river." Rivers are always flowing (running) and have two banks. While they don't have actual money, the word "bank" also refers to the sides of the river. Lastly, rivers have beds, but they don't sleep.

So, in summary, the answer to the riddle is a "river."