People can also overdraw their own savings accounts. It happens all the time, they go to a tyme machine, pull out their money. Then they go to a teller 10 minutes later and take out the money, before the ATM system has let the bank know about the debit. The account is now overdrawn.
We would certainly charge the account the $50 bounced check and try to collect before writing it off. We do it all the time.
Going to church doesn't make you a christian any more that standing in your garage makes you a car.