This message means that your question doesn't pass the automated quality filter. Add details, correct grammar and spelling, and clarify your question to make it easier to understand. This message does not indicate that you are banned from asking questions, and post bans apply separately for questions and answers.
As for answering questions, you're either attempting to answer a protected question (which requires you to have earned 10 reputation on this site), or you're answer-banned. It's incredibly unlikely that the latter is the case, since your account was created just one hour ago. If it is indeed the case that you're post-banned, contact Stack Exchange and ask for the ban to be removed. Post bans are tracked against IP addresses as well as accounts, and there might be an IP-based ban from a previous user who got banned while assigned the same IP address as the one you currently have.