How to structure the development of a program?

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I’m about to start on the software I’m going to develop for TCC (C# + Mysql). The problem (for now) is not code, but how I will develop my project in a structured way, and without "curling up" too much during the development of it. I worked out an exercise to practice, but I’d like to apply a Checklist (or step by step) in sequence that ensures a good development (diagrams, creation of BD, structure BD, BD + software integration, graphical interface.

Problem situation, which I created for the purpose of training:

Project that manages customers and accounts

  1. we can register customers and accounts, but each account will be associated with a client

  2. each customer may have multiple accounts, and accounts can be viewed in a list.

  3. we can do transfers, deposits and withdrawals of money from accounts.

  4. If the value of transfer is less than the balance, we must prevent the transaction

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