The ability to grow your net worth requires an entirely different skillset from that needed to acquire income. Like any life skill, mastering it requires commitment, time, and practice
Where to set up your checking and savings accounts? Credit unions and online banks are great choices.
Always use a credit card...but never use credit.
You'll make wiser long-term decisions, financial and otherwise, if you talk them over with the "future you." Make a habit of it.