Legal Question in Banking Law in Georgia

First of all, as you have learned, never write checks on a deposit until you know it has cleared. That means ALWAYS wait at least 5 or more business days (longer in some cases). Generally you'll be responsible for any overdraft fees you incur if you do not wait.

Second, your remedies depend on what the check was for. In some cases you have a civil remedy, and in some you have a criminal remedy, and that varies by facts you didn't give. There is exact language you must use in written notices for either, and since you left out the needed details, discuss those with your lawyer.