If you are looking to open bank accounts (abrir cuentas bancaria) in the near future, you should analyze your savings options first. The main purpose of bank accounts is to save money, not spend it so you should carefully consider your plan. You will want to have a general idea of how much money you plan to put into your savings account on a monthly basis. This will allow you to find the account that offers you the best rate to get the best value for your money. If you have a free credit card (tarjeta de credito gratis) that is set up through your bank, then you will want to ensure that the money is taken out of your checking account. 

Your savings account should be left alone and not attached to any credit cards (tarjetas de credito). It is important to talk to a financial representative in order to find the best account for your needs. There are so many options that it can be confusing for the average person. But as long as you have a savings account that will increase your money as long as you keep depositing, you are on the right track.