I purchased an app accidentally. I want a refund.

iTunes Store - Contact Us - Official Apple Support

Terms of the store are all sales are final but you can ask.

Then you need to contact iTunes support and ask them for help. Nobody here can do it for you.

Looking at my bank statement today, I see a charge for 59.69. I need a refund and close that app.

My checking account is overdrawn

Please try: https://reportaproblem.apple.com

Also if it's necessary:

View, change, or cancel your subscriptions

https://support.apple.com/en-us/HT202039