You can get more than 1 bank account if you want. Make sure you have money direct deposited into both.
If you want to get a car, go to First Tech Credit Union for a loan. They can also be one of your banks (technically, it’s a credit union, not a bank, but same basic thing). I assume MS == Seattle area, and First Tech is all over here. They have special rules for tech employees to get them loans.
Pay off your CC in full when it is due and make sure you’re never late. Same for your car loan.
Any time you get a chance to increase your credit amount on a credit card, do it.