Where should I open a HYSA and a Roth IRA? Should I listen to my dad's advice?

I'm 18 and don't know shit about finance. I have a few grand in a checking account with Citizens and I had a mini finance class at my job and realized I need to start saving for the goals I have and for retirement. I was looking to open a High Yield Savings Account and a Roth IRA account with Citizens but they don't have very good interest rates. Should I open these accounts with another bank, (if so which one?) and should I consider just changing banks so I can have everything in one spot? I'm also wondering if it's possible to make folders in a savings account so I can organize my money to go towards a car, an apartment, school, and an emergency fund. I think it would make organizing my money a lot easier, so if anyone knows how to do this let me know.

My dad told me I shouldn't open a savings account or a Roth IRA, and that the person who taught the class at my job was trying to scam me by convincing me to open them. He said I should instead put my money into a mutual fund with Charles Schwab. I don't know if this is a very good idea since my Dad is not very well off, and I'm not sure if I should follow his advice, but I would appreciate a third-party perspective. I'm kind of confused on what to do with my money now. Thanks.