Is there any way to prevent an accidental debit card overdraft?

Can a 15-yr-old get a debit card with parent signature and somehow not accidentally overdraft? For instance, if the amount in the account is $20 and they try to make a purchse of something that costs $25, is there anyway that the card could have some sort of protection on it so that they couldn't go over the amount they have in the account?|||Contact the bank.


How about learning to keep track of your bank balance and not spending money you don't have?|||This isn't possible as there is no way to know what checks have been written on the account. If the account was only electronic the card can be set not to authorize purchases if there is not a positive available balance. The problem is that the kid has no way of knowing what the parent has done to the account.





A better way to do this is to set up a student account funded by the parent's account. The debit card on the student account can then be set to not to allow an OD. The parent can also control the spending of the child this way while allowing the child to make their own spending decisions.|||yes your bank will have on over draft protection. It just like a credit card. If you go over that part take over and you will save on the fees.


But you have to be approved just like owning a credit card.|||jsut tell your bank you dont want the card to have overdrafts.|||You can take overdraft protection off of your card, through your bank. All they would have to do is sign a piece of paper authorizing the change.|||I guess you didn't read the message your bank sent you (via e-mail, logging into your account or snail mail) where you can opt-out of overdraft protection such that the card would be denied. I know you got it because it was federal law that all customers be notified of this.





So, contact the bank and set it up.