The best replacement for nsf is overdraft.

The best alternatives to nsf are rated as following:
★★★★★  overdraft
★★★★★  ul
★★★★  etl
★★★  non nsf
★★★  fda
★★  nih
★★  capa
★  usp
★  osf
★  informed choice
★  nsr
  uncollected funds
  ndseg

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overdraft
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