Sadie Steals a Check from Kevin's Checkbook, Fills It Out

Sadie steals a check from Kevin's checkbook, fills it out for $250.00 and forge's Kevin's signature. Sadie then goes to the bank to cash it, which the bank does. Seeing the amount deducted from his account Kevin confronts his bank. What options exist?

A) None. Once the bank paid the amount of the instrument, the payer has no right to a refund.
B) The bank has the right to refuse reimbursement of the amount to Kevin if it paid in good faith.
C) Only criminal actions are possible against Sadie.
D) The payer has a legal right to a refund.