1. Be sure you own bank account was not in joint names with him. Typical bank account agreements allow a bank to set off funds in an account against a debt due the same bank.
2. If not in joint names, the Bank definitely owes you the money. Check small claims court jurisdiction in your county. That would be the best remedy.
This comment does not create an attorney-client relationship. The law and its application by the courts is constantly evolving and changing. This discussion is not to be taken as a definitive guide, and should not be relied upon to determine all fact situations. Each set of facts must be examined separately with the current case and statutory law analyzed and applied accordingly.