A bit confused today.

[Tiby]

I wouldn't spend it and see what happens. If it looks too god to be true...

[dirge]

The bank cannot simply _demand_ it - at least not at first. You do need to consent. Having said that, the bank can force the issue later on.

You're doing the right thing by working around it. It's not worth getting an overdrawn fee later down the track if the bank takes it after you've spent it.