and you don't even get any enjoyment out of the process!!! ;)

I understand where you're at, though.  Many years ago, just after
relocating from So Ca to Texas, I had a similar experience.  Except
this time it was the bank itself who screwed up.  Some teller in
Houston entered the wrong account number for a BIG withdrawl and
cleaned me out.  Unfortunately, I had my savings account tied to my
checking (REALLY BAD IDEA!!!) so it sucked EVERYTHING out.  I had to
scream bloody murder to get it fixed in a week or so and then the dumb
sh*ts credited the wrong account number.  In the meantime, I was
running around trying to deal with bounced checks.  Luckily, I had
some new friends who loaned me grocery money but what a mess.  I never
did get them to refund the bounced check charges.  I just changed
banks and made sure they knew exactly who and why.

--Kim

I don't think you need to worry about not having a remedy in this
situation.  In most states, the agency relationship between you and
your bank is governed by Article 4 of the Uniform Commerical Code.
I've usually found it to be a very simple and consumer-friendly set of
standard statutes.  You can see it here, for example:
http://www.law.cornell.edu/ucc/4/overview.html

Generally, when your bank is at fault and causes you to bounce checks
and/or suffer other types of damages, the bank is liable by statute
for all of it.

UCC 4-402(b): "A payor bank is liable to its customer for damages
proximately caused by the wrongful dishonor of an item. Liability is
limited to actual damages proved and may include damages for an arrest
or prosecution of the customer or other consequential damages. Whether
any consequential damages are proximately caused by the wrongful
dishonor is a question of fact to be determined in each case."