account and then transferring the funds to the account that was ultimately overdrawn? Do you say this based on her word only? Or did you see the statements?

Based on what you described, the bank would not be able to look at the overdrawn account and determine that the check was common and recurring. The banks back end system does look for that before applying holds, so if this was the only check that has been deposited to the account, there is no history to determine that the check will likely clear.