In a 3D stacked non-volatile memory device, multiple smaller drain-end selected gate (SGD) transistors replace one larger SGD transistor. The SGD transistors have different control gate overdrive voltages so that, during a programming operation, a discontinuous channel potential is created in an inhibited NAND string. The SGD transistor closest to the bit line has a lower control gate overdrive voltage so that the channel potential under it is lower, and the next SGD transistor has a higher control gate overdrive voltage so that the channel potential under it is higher. The different control gate overdrive voltages can be provided by programming different threshold voltages, or by providing different control gates voltages, for the SGD transistors. Undesirable reductions in a Vsgd window due to drain-induced barrier lowering can be avoided.