<prompt> Human: A bit of background deets: Im 18, dont have a job currently looking for one, entering community college this fall and Ive never had any sort of bank account. My parents reasoning for not getting me a bank account was: If we get you a bank account, the government might cut some financial opportunity for you! Edit1: is this true?Now im on the ropes for deciding whether a Bank Credit Union Online Bank is right for me or where to start financially if I even should be. Ive looked into Chase, California Coast Credit Union, San Diego County Credit Union, Ally and Schwab but I have no clue what the differences are and which is more beneficial for my situation. Anyone have any suggestions on what to do?EDIT1: removed words, and added words.  <response>: If we get you a bank account, the government might cut some financial opportunity for you!Your parents are wrong.Open an account and start banking like an adult human. Just shop around and avoid paying any fees for a checkingsavings account combo. Otherwise pick the one with the most convenient branches and ATMs. 