This situation has a cause and effect and calls for BECAUSE.
Here, the passive is required. Its significance is the same as IF THE BANK'S EMPLOYEES HAD NOTICED THE OVERDRAFT.
This indicates that it has already occurred.
The WWW can be seen in these instances.
GET BY means to USE WISELY.
Following WITHOUT, we convert NO into ANY. The same logic applies here: I HAVE NO MONEY = I HAVE NO MONEY.
This preposition is the right one.