We are a national bank located in Iowa, and until recently did allow ODP on our employee accounts.
However, you should consider this: Due to employee abuse and potential related risks, we have gone back to the "old days" where employees do not have access to ODP but can (a) contract for auto-transfer from another account or (b) apply for an overdraft line of credit. Other than that, after x overdrafts, your supervisor has a discussion with you, then warnings, then loss of account, etc.