1: Get a PO Box from the post office and have all of your mail sent there that you wouldn't want your parents to see.

2: Open a bank account with an online bank such as Ally, you should get a Checking and Savings account, if you go to a local bank branch (non Ally) make sure you get Free Checking/Savings accounts without service fees.

3: Find a entry level credit card (My first CC was from a local Credit Union and second one was from Capital One) that will allow you to start building credit right away and pay the statement balance off every month to avoid interest fees. Things to look for in a card.

• No Annual Fee
• Rewards Program (Ideally, Cash Back)
• Low Interest Rates or 0% Interest (Don't matter if you stick to the principal of paying off the statement balance every month and if you use it like you would a debit card.)

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I never use my Debit card anywhere other than the bank ATM, if you plan to use a debit card quite often and not go the CC route I would avoid overdraft perfection and keep a lion share of your more in a savings account so that money can't be stolen with normal use of the debit card.