i have electronic banking with bank of america. a few days ago i deposited a tax refund check using atm, since b of a deducts a hefty fee for any face to face electronic checking account transactions. today i got a notice in the mail that my deposit was debited because my spouse was also on the check but not on my account, even though it was countersigned. along with the notice i got a copy of the check but not the check itself. what are my rights? i feel like reporting it as a robbery to the local police.