Thanks for the response.
I have already checked with my Credit Union and they were useless, other than saying it would have bounced if I had checking marked, but saving routing number. Also had a contact to the IRS and found if this happens:
"The bank sends the money back to the IRS and they send a check in the mail to the address on file. This can take up to 5 weeks, sometimes it takes the bank up to 3 weeks to send the money back to the IRS."
