Penny Draws a Check for $25 on Her Big Bank

Essay

Penny draws a check for $25 on her Big Bank checking account payable to the order of Carol.Carol puts a "5" in front of the 2,raising the check to $525,and indorses it.She then negotiates the check to Mel.Mel then presents the check for payment to Big Bank,which pays her $525 and charges Penny's account that amount.Penny asks Big Bank to recredit her account for $500,and Big Bank does so.What recourse does the Bank have and against whom?