State Bank Of India [SBI] — cheque bouncing charges wrongly levied

Address:

Nizamabad, Andhra Pradesh, 503230

I took housing loan from government authority with repayment through ecs. Though there was balance in the account on the due date, due to sudden merging of sbh to sbi during last month they presented the cheque of guarantee without intimation and charged 590 as bouncing charges.
How for it right without customers mistake who is responsible for the default which not of the customer side.
Amount should be refunded by the either of banks