Hi! This is a great question. Banks do check up on you before they allow you to open an account. They might run a bank history report or an actual credit report (which doesn’t count as a “hit” against your credit score). If you have had trouble with checking and savings accounts in the past, a bank could refuse you as a client. A bank or credit union will probably run a ChexSystems report on you. You can order your own report here. If you owe a bank money or have a bad history, it will be reflected there. You can dispute your record here. I
If you’ve run into this problem, try a credit union. Credit unions are often more lenient and more likely to offer second chances. You may have access to and eligibility in a local credit union or in a national one like Navy Federal Credit Union if you were in the military.
If you have no luck with several credit unions, you’ll need to work to build your credit history back up. That will take a little time, but you can do it. This article offers good tips. Best of luck to you!
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