I have always taken a slightly more liberal approach to the question of allowing an offending depositor a second chance. I suggest not doing it unless you have policy on the issue. If you want to develop policy, I suggest that there be no more than one second chance and that there be only one strike allowed for a second-chance depositor. Using the baseball analogy, a second chance customer's first incident of exceeding the six/month limit would be a "fly-out."
I would only adopt and use such a policy if control over your Reg DD monitoring and communications is centralized. Branches tend to bend the rules too often.
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John S. Burnett
BankersOnline.com
Fighting for Compliance since 1976
Bankers' Threads User #8