As soon as you start assigning different limits, you have made a credit decision and open your program up to scrutiny from an ECOA perspective. Your overdraft policy should have specific objective, not subjective, criteria for not providing the limit. (e.g. customer has a Chexsystems record, recent bankruptcy, etc.)
As soon as we "go with a feeling" we open the door to providing lower limits to folks based on their neighborhood, skin color, etc. Be careful what path you choose.
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