To open an account you need a valid ID with photo, the fiction certificate is not enough. In the fiction certificate, however, you can in exceptional cases insert a photo at the immigration office. With a registration certificate from the city hall, costs 9 euros, you can now open the account at one of the banks.
With the account you can send and receive money, but it also costs money, a kind of service fee. So if you do not leave money on the account, which can happen quickly in the beginning if all the applications are not through yet, the account will go down because of the fees and in the worst case will be resolved because it is not been used.