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An account that's hardly overdrawn (5,5)

Ross

I believe the answer is:

short story

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'an account that's hardly overdrawn' is the definition.
I can't tell whether this defines the answer.

'an account that's hardly' is the wordplay.
'an account' becomes 'short' (short account is a kind of account).
'that's hardly' becomes 'story' (I can't explain this - if you can you should believe this answer much more).
'short'+'story'='SHORT STORY'

Can you help me to learn more?

(Other definitions for short story that I've seen before include "account limited by definition" , "tale" , "not much material to take in" , "little romance, say?" , "Novella" .)

I've seen this clue in The Globe and Mail.
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