You cannot have a negative balance on your prepaid debit card. While some regular debit cards allow you to overspend to a certain limit, and charge a hefty overdraft fee if you do so, when it comes to prepaid debit cards, you will never be able to spend more money than you have on your account. These cards aren’t loans - you aren’t borrowing money from a bank or credit union. The only amount that’s available to you is the amount that you’ve loaded onto your card. If you attempt to make a purchase and spend more money than you have, the transaction will be denied, and you will typically be charged a decline fee.