If I were in middle school again I wouldn't have a bank account. Instead I would set up an account (if under 18 years old you will need your parents help to set up a custodial account) with a low cost brokerage company, such as Schwab, so that I could easily transfer money to stocks. Check fees to make certain you pay zero or minimal expenses to maintain an account. Stock would be my preferred investment if I could do middle school again. I would keep just enough cash to deal with monthly expenses.

I grew up in a society where people are used to receiving a check for services. You are growing up in a society where financial technology (fintech) is creating numerous financial alternatives to checks and other services traditionally offered by banks. Fintech and new companies adopting it are disrupting the market in ways that is changing banking behavior. Think carefully before putting any money in any bank stock.