Dear Mr. Edward,
I am writing to inform you that you now have an overdraft of USD580 on your current account.
I am allowing your last check of USD600 to Excel Trading Co. to pass as this is first time that you have overdrawn your account. We usually do not allow overdraft facilities unless it is formally granted, i.e. you will have to have made prior arrangements with the bank. Please contact me so that we can discuss this matter. Alternatively you can make sure that your current account have sufficient funds before issuing a check. I do not want to have to return the check to you.