<prompt> Human: I currently have BofA since I was 15 years-old. My dad set up my banking so I decided to trust him with his opinion since he seems to handle financials well. But, I am about to be 21 and want to start looking for options myself. The only thing is I am not necessarily the smartest when it comes to what banks are going to make sure I keep good care of my money. Therefore I would like to ask this community to see if any of you have suggestions of where to look, where not to, or maybe even why I should stay with BofA. to;dr: want to hear any possibly better options for banks instead of BofA.  <response>: There is a list of recommended banks and credit unions in the wiki in the sidebar. I personally recommend Charles Schwab and Ally for checking accounts, and Ally and Discover for savings accounts. 