I didn’t want him to have auto overdraft protection-on checking connected to his savings .
what we do/our adult kids as well-our credit union will let us choose whatever 'savings' account we want for overdraft so instead of what is truly our savings account we have a smaller separate one with a few hundred in it designated as the overdraft account in case something hiccups with a check or debit card transaction. we know that if any activity (absent interest being paid on it) occurs then something is up but the financial risk is minimized (i know bank will cover it if it's not our issue but it does take time for the process to happen so if it's a smaller amount i'm not stressed over it).
another safety feature we employ-our debit cards are not associated with any of our savings accounts. in a pinch if we needed to withdraw more than i have in checking i could do an online transfer and then it will be in my checking to pull but given the choice in an emergency (and absent any fees for doing so) i would rather use a credit card and then turn around and pay it a few days later.