Back to your question -- If the bank had determined to return the check unpaid because of NSF or an overdraft or the date of the check, and missed the midnight deadline for the return, the bank generally can charge its customer's account for the check.
But if payment was stopped on the check or the check is clearly a counterfeit or the issuer signature appears to be forged (or just plain isn't authorized), no, you can't charge the customer's account.
There are exceptions for service interruptions preventing the timely return.
John S. Burnett
Fighting for Compliance since 1976
Bankers' Threads User #8