Overdraft or lending facility for US accounts

I was so wrapped up in what I personally wanted when I was asking questions during the earlier virtual event that I didn’t even think of this until I’d gotten an email from one of the other banks I use advertising this, but an overdraft facility of some kind is something I think would be of broad appeal. Specifically, I’d like to see some flexibility, with the option to go for a more traditional type that requires an application and credit check but allows for a larger amount, or the new approach the US fintechs seem to be taking where you can get a small-ish facility ($100-200) without a traditional credit check based solely on a couple months’ history of incoming salary payments, but if it had to come down to developing one or the other, I’d prioritize the second one.