Legal Question in Criminal Law in Georgia

No one here knows the terms of your account agreements, but most allow the bank to take funds from accounts and pay debts to bank. You should have the agreements. Read them - you agreed to them. You also want a conclusion based on a couple vague sentences of your story, and you won't get that either.

This is not a criminal question, despite the fact that you squeezed the word fraudulent into the last question. This is a banking or contract question.

Most bank deposit agreements allow exactly that. You signed them and should have read what you signed. We haven't read them. So you should already be aware that they can do exactly what they did, unless you have a very atypical banking agreement.