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You do not need a pro bono attorney. If you cannot afford an attorney, you need a public defender, who will be paid by the state or government for representing you. Since it is bank fraud that is being investigated, it is likely a federal charge and the northern district of alabama has a panel of 75 attorneys that practice in front of the federal courts. If you are charged, you will be appointed one of these attorneys to represent you.
You can call the Birmingham Bar Association's Volunteer Lawyer Program at (205) 251-8006. that is one route to get an attorney to assist you if you don't have the funds. However, I don't think it can be overstated what a good criminal defense attorney can do for you. I often ask, would you look for a volunteer brain surgeon or the least expensive brain surgeon? Well, this is your life, and you need to look at it that way.
Eventually, you might have a civil claim against the bank if they had no right to charge back these funds.