Do you have ADD? Just wondering as this sounds like my life. Main advice is to make lists and stop often and ask yourself what you are doing. As for the bank account, I have done this too many times so I now use a prepaid card. You use it to pay bills it has a money order service you use online. I have a local bank account that I keep a minimal amount of money in only for cashing checks. The more anxious you get about this the worse it will become. Some of us just have to work harder at common sense stuff. I know I am one. It's horribly frustrating. Hugs