My son is developmentally delayed He was so proud of himself that he got a job and opened a bank account. We have always strived for him to be as independent as possible. When he opened it, the young lady in the bank gave him a debit card and told him that he could use it and he would be refused if he did not have enough money. So for the next few months he proudly purchased 1 drink per day at work and occasionally purchased gas. They charged him an additional $70 -- $35 for an overdrawn charge and $35 for a loan. Obviously they were very proud of taking advantage of a DD young adult. I would NEVER recommend dealing with these heartless people This review requires a rating of Negative 10 stars which is not available