I am currently using a local bank. My girlfriend had an account with Regions, and closed it once we got an account together. They were a good bank, and she went overdrawn once, and the bank knowingly paid for it. I may try that bank. I'm wanting to set the 13 year limit, so she can just withdraw from the account for her allowance, so she doesn't have cash on her all the time, and the threat of her losing it all, or getting robbed? It's going to have a set withdraw limit every week, if the bank I choose will offer that.