The prepaid visa card is similar to a gift card. If they are given $100 on Friday for the week, and decide to spend $80 of it before Monday, then he has to figure out how to live on $20 for remainder of week.
The one I got online is called Vision Prepaid Visa. www.visionprepaid.com There are ways to get around paying a fee to "load" the card with cash. One is by having direct deposit from employment--which I declined. The way that I found is to use a "paypal" account to get them loaded onto his card. Kind of tricky. The great thing is he can not spend more than is available. Not that Im aware of...but he hasnt even tried it yet. I texted him last night that he only has $26 until Friday, and if he goes to the grocery counter with $40 of food, will have to put some back! Could be embarrassing.
There are some small .95 fees for certain things like getting cash back, etc. but it beats a $39 overdraft for each item.
Let me know if you want more info. So far so good.