I once had a customer ask me, "How can I be overdrawn? I still have checks!"
I didn't truly know how to respond to that.
Or...."I'm not overdrawn. My check register shows I have a balance."
Customer...."what is my balance?"
Customer....."my check register shows a lot less!!" (meaning, more than likely checks written within the last two days haven't cleared)
My brother used to insist that the bank had taken his money when his balance on his statement was less than the bottom line on his register.