Some dudes adventure

You pick up your phone.

"Hullo?" you say.
"Hello, mister Vogel?" A womens voice says
"Yeesss?" You reply
"Your bank account has reached a total of Zero Dollars and One cent." You are one cent away from bankruptcy." The voice says.
"And who is this?" You say.
"The secretary for the Bank of witch you're savings account is held." The Bank Secretary says.