I had a customer cancel their payment. The money was never deposited into my account. Now intuit is charging my bank account for the cancelled funds.

Hi there, @BFields1155. 

Intuit has been charging merchants for every transaction. I've included steps to help you pass on charges to your customers and keep your books in order. Here's how:

First, let's create a "rejected bank transfer fee" item

1. Go to Settings ⚙ and select Products and Services.
2. Select New and then Service.
3. In the Name field, enter "Returned Bank Transfer Fee."
4. From the Income account drop-down, select or add an income account called Returned Bank Transfer Fees. Or, select an expense account you already use to track your bank charges.
5. Select Save and close.

Then, add the item to the original invoice and resend it.

1. Open the invoice.
2. Add the returned bank transfer fee item.
3. Enter the amount of the fee you were charged.
4. Resend the invoice.

You can check out this article for more detailed steps: Handle a rejected or failed bank transfer payment
 

I've added this link that you can use as a future reference: Manage payments.

If you have any other concerns about cancelled payments, let me know by adding a comment below. I'm more than happy to provide additional assistance. Wishing you a good one!