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Hi from Just Answer. I'm PDtax. I have a solution.
Instead of using accounts that do not give you the control you need, how about using prepaid debit cards that they can't overdraft? Use another bank if you like, or one of the many non-bank debit card services. Then they learn to spend within their means, since overdrafts won't be cleared.
The cards I recommend don't charge a big fee. Some are available and can be refilled at Walmart, for example, for very small ($3 or less) refill fees. And there is no bank account to manage or overdrafts to pay.
Your bank finds these accounts are a big profit center by allowing these transactions to clear. Use the direct debit cards, like those available at WalMart, and avoid all these fees (and teach financial management too).
Thanks for asking at Just Answer. Positive feedback is appreciated. I'm PDtax.
Taking on your bank to make them comply would not be worth the personal and financial price you will have to pay. Best to take other steps, and manage your banking at lower cost and better control.
Thanks again for using Just Answer. Please rate my assistance using the stars rating scale below to finish your question. I'm PDtax.
Hi again. PDtax here. Can I ask you to use the star rating system to rate my response to your question to close it out before month end? Thanks.