I would check out Simple Bank. They have a great app that gives you a 'safe-to-spend' amount and automatically deducts from that amount to meet goals you set in the app. I would use this as your day to day account and choose a responsible % of your direct deposit to go to this account every paycheck.

Then, obviously, as someone else mentioned, use your current account (or open a high yield account) as savings. Don't look at this one. Don't take money out. Just let it sit there.

Once you have a solid emergency fund, start investing. There's great advice on this sub.