How long ago did you do the direct deposit? I know some companies can take as long as 3 months to get their sh*t together and get the money going in at the right time. In either case she (the finance lady) should be able to cut you a check right there. However I can guarantee they wont help you repair the damages to your bank account. That (although unfortunate) if your fault for not checking prior to spending.

Thus it is known as a budget