Years ago when I used to be with NIB (now this is definitely 20 years ago) I had a cash card with them. The a/c let me take out as and when. It, at the time, did not show the balance. One day I received a statement to say I was IEP20 overdrawn or whatever the figure was. When I went in to pay, I asked to speak to the bank manager - I mentioned to him, that I was not able to see my balance on my a/c - he agreed it was wrong, and never went any further. I paid what I was overdrawn by, and after this long winded story, some things obviously never change.