"Aside from using the Record Bounced Check option" - I would prefer to do this, but it is not available for echecks.  

The issue I am having is that the customer is not seeing this as a bounced check.  Quickbooks deposited the money in my account, and still shows response as approved, yet QB removed it from my bank and charged me a fee and lists the status disputed/disposed??

[Moderator note: edited customer screen below to protect privacy.]

This shows the deduction from my account along with the fee for deducting it.