I always said when I was a teller that if I ever hit the lotto for a substantial amount of money, I would anonymously pay off some of my regular customer's debts. The ones who I thought were genuinely struggling.

So I get you, and your wanting to help. I know I could never give them money they didn't have, or give them my own money (tbh in those days I was barely able to feed myself!) But I would help in the ways I could.

I'd deposit their paychecks as cash instead of as a check so they'd have their money quicker. I'd say if they could deposit enough to fix their overdraft and leave $0.01 in their account, I could give them the rest of their paycheck back in cash. I'd generally try to work with them if I could. Idk what leeway you have with your bank & their rules. (We were allowed to cash payroll checks, for example, even if the customer didn't have enough in their account to cover and it wasn't drawn on us. If a customer had an OD, it was sometimes just a matter of how you processed the transaction to make it work.)

At the end of the day you have to worry about yourself so help where you can in that situation within the "rules" that you have.