I know but I don't know what to do. How do I get a bank account?
So you do not know how to sign up for a bank account?
I have never gotten a benefit payment before and I do not have a bank account and I don't know what to do.
Do you need someone to walk you through setting up an account? The Treasury's Go Direct website can help you. They also have a phone number: 1-800-333-1795.