I don't have the crossword lvs but 22 looks like the word overdrawn should be removed and then you are left with a word which means one joining something together and another word for bank
11a: that's where I'd got to, gk. It's the ones in the middle I'm having trouble with, given that my 7D only seems to change to an 'a' or an 'e' where it crosses 11A, if it's to remain a real word.
Nope, still can't see the other 11A. I have 6D meaning 'limitless' and 8D meaning 'without pastimes'. Beyond that, I'm stumped and don't understand the 'in 2 parts' hint.