Give it back. (Minus a considderable conveniance fee for your troubles.) It seems that banks CAN and WILL have ways to get thier money back anyways. Please give the money back. You will thank me one day for telling you this. They could take it any time. They have the technology, the power, the lawyers, and blackest of hearts. They will get it back! And it’s not going to be when you can afford to pay it back, or when you get around to it. It will be when you absolutely need it the most. And they will not even warn you before they screw up your credit. TRUST ME it has happened.
On the other hand, do you really want these idiots taking care of your money?? If not close the account as soon as you can, and get a new bank lol
Best wishes from Kurt