And here I am, paranoid about having unsigned checks laying around because they have my account and ACH # on them. Other people's tolerance for risk always amazes me!
you simply call the bank, and tell them to credit you the money back, which they do immediately, and then they launch an investigation into the felony crime which occurred. they'll send you a couple of affidavits to sign in the mail later.
it's even easier with a credit card because the money was never taken to begin with.
and get this, with amex you don't even have to call, because they call you, and you tell them which charges you want deleted, while they send you a new card.
not having money totally sucks in comparison.
I know that we're missing easy money transfer options that other countries have had for decades, though.