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Why not just use a reload-able prepaid debit card if he/she is that bad at managing money? Managing your bank account is not that difficult.

I bank with Chase and they warn you if you get under the notification level you set, my phone will actually vibrate in my pocket with the message just after I swipe the card. Also even if you do overdraft and you get notified (with Chase)and can go make a cash deposit that same day and they won't charge you any fees. BOA is a different beast, stay far, far away from BOA if you can.




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