Comment: If it was a ACH transaction,

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If it was a ACH transaction,

If it was a ACH transaction, the bank has 24 hours to cancel the charge. Otherwise they have to do a reversal request which may or may not be honored. Basic guidelines for ACH transactions can be found at http://bankoffairfield.com/sites/default/files/ach.pdf

If it was a debit card then you have more time, but again your claim may or may not be honored.

Best of luck!