Which address should I use for my bank/credit card accounts?

If you can separate your mailing and residential (most financial institutions let you do this), then do that.

You cannot use a mail forwarding address as a residential address with a financial institution (they might flag it), so you will want to use your residential address.

That said, try to send minimal mail there as we have to forward every item to the mailing address before we can legally process it for you, hence the $5 fee.