Checks bounces only if the account is banned... this is strange... try to post in adsense official forum as well..
The problem is sure with your bank. Ask the bank to clarify the reason for the bounce. Depending on the reply, you can contact the google. But google has sufficient funds to pay its webmasters.
lol, you sure it was a nsf check and not a stop payment. You never know, but you need to contact them for sure. Never heard of this before, you should of got a pic.