Getting the deposit cheque back upon bank refusal and MOU expiry

Hi,

I had signed MOU to pay for a property, but my bank does not approve the loan. The MOU got expired. Now the owner asks the agent to give him my deposit cheque.

In the MOU, it is mentioned that the MOU is valid for 45 days and it is subject to bank approval. If there is any rejection from the bank, this MOU will be null and void.

In this condition, can I get my deposit cheque back?