I used to work at HSBC’s call center in Tigard, Oregon.
I made an electronic payment online with my one of my bank’s check card. Turns out this was the wrong one, and I immediately canceled the payment (as there’s a very easy to find and large button allowing you to do this immediately as well), and resubmitted it through the correct bank. So, to sum up, the payment was made, about two weeks before it was due. I figured all was cool and I was being a good customer for paying more than the minimum balance, way ahead of the due date, online, so there wouldn’t be any “problems” with a check or the postal service. Then I look on my statement and I’ve been charged a $35 Returned Payment Fee.