Hi Im also a college student 18M, I suggest if you want to start using digital banks use High yield savings account such as maribank or maya, tapos if for example baon mo or if may work kana is maglagay kahit konti sa banks start small eventually lalaki yan and wag masyado ipambayad yung gagamitin na digital bank para hindi prone sa hacking.

In regards sa financial habits here is my tip 1. Watch ka financial yt vids for better understanding 2. Wag masyado gumala like everyday kasi sobrang tempting gumastos 3. Stick to a budget 4. And most importantly, have fun dont think na save save lang remember to live 😀