Another possibility here is to expose them to the idea of bills too. As a kid, my account balance was easy to manage because it only went down when I swiped my

Another possibility here is to expose them to the idea of bills too. As a kid, my account balance was easy to manage because it only went down when I swiped my card. Auto paying bills forces you to always keep a healthy account balance. When they are old enough to understand, make sure to tell them about financial tools besides checking accounts. Explaining how they work, and what they should be used for could go a long way.