Here is a good tip I just picked up. If you are going to do anything on a debit card that has a monthly fee use a prepaid debit card to keep you bank account safe from over draft. These cards are also good for giving your kids a budget. Here is a link to Green Dot Prepaid Debit Card Get a Green Dot Gold Card, No Credit Check Required.
Living well on any one income. How to Save Money And Stay Home With Your Kids.