[Pog0]

I thought that banks held cashed checks until they cleared. According to your post, you had no other money in your account, so the bank allowed you to send 4.5k of the 5k that they cashed. Had it not been for the 5k check, your 4.5k would have bounced.

The bank really screwed up here, but banks are big companies and according to the law, big companies are never at fault