<prompt> Human: I have a friend in her 30s with no checking account, no credit, no anything. She wants to get a credit card for absolute emergencies, but I told her shed probably definitely need a checking account first. She did have one, but it was closed because the monthly fees drained her account. So what the best no-fee checking account? And if youre feeling really generous, the best starter credit card?EDIT: I should add, for purposes of consideration, she has no job.EDIT 2: I see a lot of people saying job and then checking, is there a reason? With my current job, I was handed a direct deposit form with my hiring package. So is there an actual disadvantage to having a checking account before getting a job?  <response>: Youre putting the cart before the horse here.1. Job2. Checking account3. Credit card 