<prompt> Human: Long story short, Im 25 yo and a recent college grad with no debt of any kind, very fortunate, and work in a warehouse making 9hour while looking for a career. I have about 15k in a savings account at a local bank that I would like to move to a new bank that offers more online features and is open 7 days a week. I dont have a checking account, my own credit cards, or investments made. I live with my parents and am able to pay my end of the bills when they come and have some decent money left over, but they dont know anything about online banking.Reddit, I need some guidance to see what the best thing for me to do to become more independent. Should I start to invest some of that money sitting in my savings? Should I get a credit card with my bank or from the credit card company after I switch? Just some of the many things Ive been contemplating the past couple weeks and any help is greatly appreciated.  <response>: ING is so solid and you can split your account into sub-accounts which I find really handy for saving for specific things. 