Naw man, that’s not the script, lol. That’s your bank engaging in some foolery when your account is low. Not sure if you’re in the US, but if you are, call them out. They tried this to me when we went to Paris for the SubClub meet. I used an account that I don’t keep a lot of money in for security reasons, and I didn’t realize that using my debit card would trigger an “international fee” of $1.50. They did all kinds of crap to trigger like 15 overdrafts, including rearranging the order of the payments so that the large purchases hit first and drained the account.
I went to the branch and reminded them that I had a fairly large business account with them and if those fees weren’t refunded, I’d leave.
They refunded the overdraft fees.