@fufukunnn, I don't think you understand.
You do not need a bank account.
You use the savings function in your Hive Wallet.
Go to your wallet. Look for your HBD, Hive Based Dollars. Click on the down arrow next to it.
Select Transfer to Savings.
If you keep doing that, then by the time you DO have a bank account, you would have earned many dollars without even doing anything because it is in savings on Hive.
I think I see.. Huh, never noticed this feature before. should I transfer all of it?
Yep. For every $60 you manage to squirrel away there you will earn $1 per month in interest. And you will earn interest on your interest.
Conversely, you can withdraw it in 3 days should you need it one day.
I use it all the time.
I see, thank you!