Lisa,
I am so sorry to hear that this has happened to you. Where are you located? I ask because I think that you may need to speak with a lawyer and you live in Minnesota I know a wonderful lawyer.
If you live in a state other than Minnesota, contact
The National Center for Victims of Crime
2000 M Street NW, Suite 480
Washington, DC 20036
1-800-FYI-CALL
http://www.ncvc.org
Tell them that you are looking for a lawyer who does cases with counterfeit checks.
There are ways that you can try and resolve this issue with the bank so that you can at least have money to live off of (first off if you have any sort of direct deposit of paychecks into that bank account have that stopped so that you get a real check that you can cash to live off of until this is resolved, and if you have automatic withdrawls from that account you may want to have those turned off also so that your negative balance does not grow)
Some people have gone to the bank and worked out a "loan" with them . . . basically they put your account back to the amount that was in it but now you have to pay them $XXX per month until the "loan" is paid off.
Some people have decided to fight the bank and have come to out of court settlements with the bank (this is the route we went).
Which ever option you choose, we would be willing to share more details with you on ways that others have proceeded through this process.