The money that wasn't touched is one of the things that makes me think he may have wanted to just get away from everything. "I won't touch their money. I'll show them I can make it on my own."
....and I'll bet it was an overdraft bail-out, which would account for Naegle's saying that there was $0 in the account. He may have previously used up all of the available/overdraft...then a deposit would pay off the overdraft total, meaning he really didn't *have* funds, but could spend a certain amount before things started bouncing. That would mean just more debt. Just a hunch.