kingpins
"I had a teller tell me one day that the three days is required in case I change my mind, they are just protecting me from myself?"
Sounds like porkies to me...you should have asked the person how do you cancel a transaction at day 2 and guarantee the funds are definitely back in your account...I bet they would have said that you have to wait until the money appears in the nominated transfer account and then resubmit it back.
