In my early days of banking, I got to hear all the cliche's you see on T-shirts.

A lady actually said to me: "I can't be overdrawn...I still have checks!"

Just yesterday, a lady came in to my Credit Union to find out why it was that we had taken all of her money out of her savings account. Seems she had overdrawn her checking, and the funds had been transferred there. She adamantly told me that that was illegal. I showed her *on the form she personally signed* that she authorized us to do so. She said, "Well, yeah, but not when I *need* the money!"