If the bank made a mistake in allowing the negotiation of the stolen check and refuses to make good on it, you need to contact the Federal Guaranty Insurance Corporation (FDIC) that oversees bank deposits of customers up to a certain amount and discuss the situation that has happened.Another option is the FDIC does not help you is to sue the bank in small claims court for the $3,000 amount taken from the account and not made good on by the bank.