Even if your ACH transaction goes through at first, it still might come back as NSF. When the system is first processing your transaction, it just makes sure that your account and routing number are real. As long as they are, the ACH will go through. The only way you can prevent your ACH from returning as NSF is by using check verification or check guarantee.
You can customize your debit or credit cards with a second line. Have a favorite nickname, sports team or just something fun you want to include?