1. A fee-free checking account
You need a centralized place for your money, so look for a free checking account. Fee-free accounts are a bit harder to find these days, but some banks and credit unions still offer them.
Along with your checking account, sign up for a debit card. Such cards can be useful, but don’t assume they are great for all purchases. For more, check out “9 Things You Should Never Pay For With a Debit Card.”