<prompt> Human: Any advice? Is there a way, if my brother is rational for one day before backsliding, to get him set up so he can get direct deposit and bill pay, but not have a cardchecks burning a hole in his pocket? Bonus points if theres something he can sign to make him ineligible for payday loans  <response>: BofA keeps letting him rack up overdraft fees and bounce checksBofA isnt letting this happen, your brother is. Not spending more money than you have is the first lesson toward financial well-being. If your brother cant learn that with the current set of consequences, he unfortunately may need larger consequences to teach him. Is there a way...to get him set up so he can get direct deposit and bill pay, but not have a cardchecks burning a hole in his pocket?He could switch to cash-only, but this isnt likely to solve the underlying problems. Bonus points if theres something he can sign to make him ineligible for payday loansNope. Hes an adult. He needs to figure this out on his own. Its admirable that youre trying to help him, but part of the reason he continues the behavior is likely due to the fact that he has friendsfamily who are willing to bail him out or help him through rough patches. Its as much your responsibility to stop helping him as it is his responsibility to get his house in order. 