When I was mystery shopping nearly all our local banks had a parent/student checking account that was totally electronic. No checks, strictly debit card (if payday loans online) with a pin, you put in how much per week you felt safe about there at home and they could use it where ever they were. I’d check my local banks for such a card, then you can just make tiny deposits for so much a whack and since they are pin based it helps cut down the theft.
The ones I audited also had an automatic over ride on them that kept them from getting overdrawn.
Send a check register with her and then it will be a learning experience for her. Mark, who is trying to remember where the south west campus of OSU is in OK—dh went to OSU ds/ OU—battle time around here. LOL.