If you are overdrawn, or if your bank account is overdrawn, you have spent more than you had, so you owe the bank. The account sits below zero.

If you are overdrawn如果你透支了，or if your bank account is overdrawn或者說你的銀行帳戶透支了，you have spent more than you had意思是你花的錢比你原本擁有的還多，so you owe the bank所以你欠銀行錢。The account帳戶 sits below zero就變成負的了。

People say 'I am overdrawn' (about themselves) and 'the account is overdrawn' (about the account) — both are normal. It is everyday English around money, a bit bank-like.

People say 'I am overdrawn' (about themselves)人們會說「I am overdrawn」（指自己），and 'the account is overdrawn' (about the account)也會說「the account is overdrawn」（指帳戶），both are normal兩種說法都很正常。It它 is everyday English around money是跟錢有關的日常英文，a bit bank-like帶點銀行用語的味道。

You cannot be overdrawn on cash in your pocket; this word belongs to bank accounts. It is an adjective, and also the past form of overdraw.

You cannot be overdrawn on cash in your pocket你口袋裡的現金不會有「透支」這回事，this word belongs to bank accounts這個字是專屬於銀行帳戶的。It它 is an adjective是形容詞，and also the past form of overdraw同時也是overdraw這個動詞的過去式。

Though actually, being overdrawn and having an overdraft are two sides of the same event: one names how you are, the other names the hole in the account.

Though actually不過其實，being overdrawn and having an overdraft透支（overdrawn）和有透支額度（overdraft） are two sides of the same event是同一件事的兩個面向，one names how you are一個描述你的狀態，the other names the hole in the account另一個描述帳戶裡的那個缺口。