Possible Clues:

• Bank account deficit
• Checking account woe
• 'Owing to the bank, it's above the doctor back there (9)'
• Balance problem?
• With which one suffers a lack of balance
• Withdrawal problem
• Account action that may result in a fee
• Arrangement with bank about plan
• You must take it as read, by the sound of it
• Bank facility to spend more than you have