Bank account question.

Bank account question.

Since I've never worked jobs where I earned much money (just enough for spending money/gas, really), I haven't had a bank account for years. The last time I had one, I was hit with 3 overdraft fees cos of that whole "when you get gas, they put a hold on your account for the amount and you can still get stuff w your debit card but really the money isn't there"..hopefully you know what I mean. The end result was Bank of America sending me stuff saying I owed them $90, which I did not have. I still get stuff from them, or I think actually collection agencies, saying I owe them $120 or something. I never have $120 to spare. I do intend to pay it whenever I can get that much money together, but I can't right now. I am a waitress, and whenever I work, I end up using everything I made to get gas and groceries. The most I ever have left over is like $20, and that ends up getting used within a day or two for food. So I have two questions. 1. Is it worth me getting a bank account? Say if I tried to put, like, $10 from every time I work into it? 2. If I did try to get a bank account, would the bank I try to get an account with be able to see that I owe BoA money and thus refuse to give me an account? Thanks.
Mystery plants??

Mystery plants??

the beginning starts here…

the beginning starts here…

Full garden

Full garden

Hoya help

Hoya help

New and needing advice

New and needing advice

welcome to my house :)

welcome to my house :)