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Ebay order cancelled, but the Echeck paymen is still pending?

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Ebay order cancelled, but the Echeck paymen is still pending?

I won a bid on eBay and make the payment by echeck by accident. After contacting the seller, he asked for a cancellation of this order. I respond yes but the echeck payment is still pending.

Should I be waiting for its clearing and ask for a refund or can I just cancel it before the clearing? 

I also want to ask what will happen at the clearing date that the bank account is insufficient?

Thank your for any help 🙂