Crossword Genius

Bank facility that’s to one’s discredit? (9)

Ross

I believe the answer is:

overdraft

I'm a little stuck... Click here to teach me more about this clue!

'bank facility' is the definition.
'overdraft' can be an answer for 'facility' (I've seen this before). I'm unsure of the 'bank' bit.

I don't understand the remainder of the clue.

Can you help me to learn more?

(Other definitions for overdraft that I've seen before include "Bank account deficit" , "Debit balance in bank account" , "Potential problem with bank" , "having bad position at bank" , "financial licence" .)

I've seen this clue in The Hindu.
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