What would you do

So today my payroll check bounced at the bank.

Let's just say its happened before and I was cool about it because HR was there to get it straightened before I left work and at that time I wasnt too worried about it getting settled that day.

Well this time it can not be corrected until *hopefully* tomorrow.

I wanted so bad to leave today when I found out about it (my husband called me puzzled that the card declined when he was trying to buy material for his business*so embarrassing*) because I was so possed off. Well I want to tell them nicely somehow that I wont be coming to work tomorrow unless its corrected.

Any ideas what I can say to them putting it nicely?

*side note - I've been there over 5 years and I love it and they love me but I'm completely upset about it this time