However, if her supervisor authorized it, then a reprimand for the employee should suffice and the superviser should bear all the responsibility. That's how I would have handled it.
My bank holds deposits I make for 24 hours. But I don’t run my account down to the point I can’t get money out. This person probably had spent his money on Christmas, and had just deposited his latest paycheck The bank is going to pay for the bad publicity this will get them.