So if a person has an over draft, they repay the fees and interest, yet it is still a reason to disqualify them? That seems a bit to harsh to me. Yet being the NY Times is also likely that they left out other details of those they profiled, such as bad credit history or other things that would preclude them from getting a checking account.<p>It seems that businesses, and our society in general, are moving to a state where all sins are held against you into perpetuity.