Think Credit Union, not big four banking:
In addition to being a terrible place to invest, a bank is not a good place to hold money, especially if you don’t have a lot of it.
Credit Unions are free, insured and offer basically all the same services as a bank. A lot of times, they have more online services than a traditional bank because they aren’t trying to get you in, talking to sales people.
Savings: Monthly bank fees ($14.99 a month?)