"Your debit account has been overdrawn by $15! You will be subject to fees if you don't fix this before modif midnight"

Firstly, how do you expect me to pay a fee if I didn't have any money in the first place.

But secondly, how the heck am I supposed to get that money in before then???

@lizardsquid

they probably expect you to literally walk into the bank building and pass them money

@nautilee but it's 10pm, all the banks are closed