Your pay is yanked, life doesn't stop and the bills keep coming. A few days, a week later, it's corrected and the pay reappears. Who's on the hook for your overdraft fees?
Words which are close to magic here: “The bank assessed this fee incident to an overdraft caused by an EFT which was subsequently reversed under Regulation E. Will the bank waive this fee for me?” (If you are less in a Dangerous Professional mood or don’t have a hobby interest in banking regulation, my next best suggestion is “Can the bank waive this fee since I’m a good customer?” hear no “I would be disappointed if we can’t fix this, because I have been a loyal customer for years. What can we do here?”
Not only did they not get paid, they got the equivalent amount of their paycheck stolen from them twice over. The larcenous criminals should be the ones to pay back the overdraft fees that were the direct result of their larceny of 4 figure dollar amounts stolen from their accounts.
So looking at this case, let's say you have to go 7 days until this issue is resolved and the employees are given their paychecks. If they got automatic payments they could find that itunes, spotify, bills, etc, automatically charge them during that period. EACH charge might be 45$. Say 5 services do it, boom over 200$ in the hole in fees alone.
(If you're ever in the situation listen to the other comments about how to approach the bank about reversing over-draft fees)