Overdrawn Account

I tried to use my card today
The teller said it was declined.
I’ve used that account my whole life,
direct deposited from the Devine.

Zero credit to my name.
I have no overdraft protection.
Was I the victim of a hack?
Why are all my accounts in collection?

I argued, I pleaded
I even tried to call their bluff.
But the of bank of Afro America
said, nigga you ain’t black enough.