Mistaken move

I have been banking with Capitec for years.... At the spur of the moment I opted to move to Standard Bank as I was advised they are a good bank... On the 28th my salary was paid into my cheque account which I opened in December but never used. I still received statements from Standard Bank. So on the 28th I tried to register for cellphone and internet banking and only then found out my cheque account was closed in March and I was not notified of this and I didn't check either as I was still receiving statements. By then my salary was already paid. Today is Thursday and the money was still not rejected by Standard Bank in order for it to go back to the originator. I called the call centre and they advised that it takes 24 - 48 hours to bounce back which means the funds should have been back Wednesday. We are already on 3 days and still nothing.... I feel like I made a mistake by moving to Standard Bank because it is causing me a lot of frustration. I should have just stayed where I was.... I have accounts that I must still pay and tomorrow is a new month already....