I am sorry, but you fell for a very common scam. Under federal law the bank merely has to confirm that the check looks valid. They must release the funds in a certain amount of time and that is before they will know if the check is bogus. Just because they release the funds does not mean the check was good. If the check was bogus, you are responsible. This is not bank error. You were the victim of a scam. Here is some discussion http://www.consumer.ftc.gov/articles/0159-fake-checks and http://www.fakechecks.org/index2.html# Sorry and good luck.
This answer is for informational purposes only and is not legal advice regarding your question and does not establish an attorney-client relationship.
I agree with my colleague .You need to repay the bank. Ask them for a loan to repay the overdraft.
Some banks assist their customer when they are victims of fraud like you.
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