Bank switching as an 18 year old going to college

I am heading to university towards the end of August. I have ~5k saved so far with my checking and savings account under Chase Bank. I know their savings account doesn’t have a great APY at all (.01%…) so I was looking to either set up a HYSA or change banks altogether. I looked into Capital One, however, I’m confused on the concept of a fully online bank. I also was thinking of Ally. The goal is to have about 1-2k saved for college expenses and the rest in the savings account.

I also am in the market of buying a used 8-10k Honda Sedan during the next summer as I won’t have a car because it will be passed to my sibling. Should I even consider a credit card at the moment or co-sign a loan with my parents? Or should I just pay for once I make the money with the job in the summer?

I appreciate any advice as my parents don’t talk finances with me quite often and as of my knowledge, don’t have multiple accounts for investing (if that’s the proper term).