What is the ruling on withdrawing an overdraft from an Islamic bank, which deducts an additional amount as a fee for employees in exchange for disbursing part of the salary in advance?

Overdraft is a loan to the client, and taking a percentage on it is considered usury (riba). However, if the bank takes a lump sum, then if it is reasonable and equivalent to the work performed by the bank, it may be considered fees and administrative expenses. Otherwise, it is a trick to justify usury.