I'm going to take control of my direct deposit paycheck back
Is that gonna work? Why do you want to control your paycheck?
My bank was advising me to buy stuff I don't need with them
It is difficult to handle money but it is good to take control of it. Otherwise people will misuse it and you will end up with nothing.
Do you think I might misuse this money somehow? like donating to terrorist organizations ?
If that's the case, then yes it's not a good use of your money. How do you think your family, friends, and community feel when they find out you're donating to terrorists? I think it's better to just let the money as is so you can save for better things.