Primarily, the banker-customer relationship is that of debtor and creditor -- who is which depending on whether the customer's account is in credit or is overdrawn.
Some will feel Character A works but Character B is far-fetched. If others feel that Character B is believable but Character A is overdrawn, it's a wash.
Unless you plan on going crazy with the liner to overdraw your lips, you'll want to start easing away from darker shades, which make your lips look thinner.
She had often read of such characters, characters which Mr. Allen had been used to call unnatural and overdrawn; but here was proof positive of the contrary.