If you have kids going to college or about to, the time is coming to get them to get a low cost checking account with debit card provisions.  Watch out for hidden fees and other costs in school sponsored plans, as they can cost you a lot for the convenience. See this article in The Wall Street Journal by Karen Damato about what to look for:

http://blogs.wsj.com/totalreturn/2015/03/30/the-wrong-way-to-select-a-bank-account-for-a-college-student/?utm_campaign=Daily+Clips&utm_source=hs_email&utm_medium=email&utm_content=16827317&_hsenc=p2ANqtz–HudcAbFKaUZQYG51LAKzWGIBH6R-Q7-iPzaIceYvnED7t7T72GAXtrMDlcl3TBVAJdusyBzJ0woDot3QVLPCbPsBO0g&_hsmi=16827317

To avoid overdrafts on the account, it is important for college kids to record all their debit purchases and make sure deposits are enough for spending.  In other words they need to have a budget and reconcile their bank accounts (ever heard that before?)

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