My son has a Bank of America checking account that is linked to my BOA account so I can transfer money to him and monitor his activity. He uses his debit card as a credit card and no matter how many times I admonish him he overdraws his account, sometimes triggering an overdraw protection of $100 and costing a fee of $15. The bank refuses to deny his debit card when presented for payment. Whenever I see his account getting low I transfer $40 into his account. If I disconnect his account from mine and let him deal with his own problems then he won't have access to cash in an emergency. But in the meantime I'm giving him thousands of extra dollars per year. Any solutions?