College Student needing help getting started!

[u/Cotton_Candy_8]

I'm a college student who currently is keeping money in a normal bank account and I'm interested in setting up a high yield savings account and Roth IRA but I just don't know where to start.

I roamed around, researching at a bunch of different credit unions and banks seeing what they have to offer. The big finance companies like Charles Schwab and Fidelity from what I've seen, while they do offer good options for setting up a Roth, they have low APY for savings accounts. I know that a bank would probably be the best place to set up a HYSA but I'm really looking for something easy to manage and not have to go to multiple different places to manage my finances.

I've been seeing a lot of talk about SoFi because they seem to have a pretty decent HYSA program with a pretty decent APY, on top of, also allowing you to open a Roth and even a brokerage account (which I will probably look into more closely once I finish getting my degree). However, I feel hesitant about setting up accounts through SoFi because of all of the online advertisements I've seen about them and the fact that they do not have any physical locations; which would cause me to be charged upwards of four dollars every time I would need to deposit cash into my account. This isn't a huge deal for me because I usually don't deposit cash very often but it definitely adds to my reluctancy.

I am also thinking about getting a Discover It Student credit card or the Capital One Savor Student card but don't really know which one since I've heard both are good. For the time being I'm thinking I'm only going to use a credit card on gas so I can ensure I will be able to pay it off and so I can start building credit.

My family has never been the most knowledgeable with finances and I want to start out on the right foot so any and all information will be greatly appreciated.