By the way, this did happen to my 17-year old stepson earlier this year. He has a “student” checking account linked to my wife’s checking account.
He overdebited his account by $0.16 (his fault, entirely) and that small act ended up racking up close to $100 in bounced checks and fees, much to our and his horror. That seems vastly unfair on every level, even though it was his fault.
When we revived him, we coached him to go into the bank and explain the situation to the sympathetic officer who had helped him open the account, and they forgave the fees, and set his balance back to $0.00 where it remains now, months later.