Yes, that is true, but who knows how long that will take. In the meantime, she has zero money.

Thank you for letting us know about the families financial situation.

If what you indicated is correct that the bank returned the check. This was the banks mistake so there should be no overdraft charges to Tammi. The bank is responsible for all returned check coverages.
After all of this trauma is over Tammi should also make sure that it doesn't appear as a negative on her credit rating report.