<prompt> Human: Hey yall. 20 something year old college student about to graduate. Im a little nervous because even though Im about to enter adulthood, I still dont feel like I have a proper banking account situation. I have a checking account and a savings account with Bank of America. But I really dont know what Im doing with it. The savings has a couple thousand in it, but I find myself dipping into it when the checking account gets near the minimum balance. Dont have a consistent job or income. Parents help with money problems but Im trying to be independent this year. Also dad has access to both of my accounts for better or worse. Any advice is appreciated!tl;dr: tips to handle the bank account. I dip into savings sometimes to buffer checking account. I know thats wrong plz help.EDIT: I bank with Bank of America. Dont know if that helps but I figured I should mention that.  <response>: Dont have a consistent job or income.Well theres your problem. 