i'm a 18 year old student with a part time job working about 30 hours a week. i'm about to apply for the Capital one Savor student credit card to start building some credit. i currently have a checking and savings account with my state credit union. i also have like a capital one checking account that was linked to my dads account. i don't know what it's called. but before i had a job, he could just transfer money over when i needed it.

with my work paycheck, my savings goes to my credit union and my checking goes to capital one. but i'm also interested in their HYSA. and i thought since im also getting their credit card, i should just have everything with capital one. all my savings in the HYSA, then a checking and credit card.

but then i heard that it's good to maintain a relationship with 2-3 banks in case something happens or they randomly kick you off. but i'm confused on how to do that, how should i divide up my money. should i open the credit card with captial one and keep my savings in their HYSA then keep my checking in the credit union? i really like capital one because they have always been helpful to me and im familiar with their app and i don't really want multiple banks and my money all over the place. but i also want to be protected. i also like how they notify me when my card has been used. my credit union does not.

should i switch everything to capital one then maybe start an emergency fund at the credit union? maybe i could drop my checking account at the credit union and just use the savings and put like $100 in there each paycheck? idk does anyone have any suggestions? i also need to open up a roth

also side question, with capitals one HYSA can i take money out at any time? i'm looking to buy a used car in cash in the next few months