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)