Be careful with the debit card. I had mistakenly thought that I had this type of non-overdraft protection for my son, but alas did not. My bank was allowing for OD's when we had not specifically authorized them. I do believe there is a financial industry regulatory change that will soon (or maybe has already) been approved, whereby the financial industry would need to specificially receive your authorization to allow the overdrafts. This seems to be what you want.