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Having bad credit is usually not a reason for being denied a checking account. More likely, you are going to be rejected for a checking account if you have bad marks on your ChexSystems report.

Here is a link to additional information on why you may have been denied a savings or checking account.

ChexSystems will record infractions related to bank accounts, such as check fraud, unpaid negative balances or excessive withdrawals. The ChexSystems report can be considered the banking equivalent of a credit report.

Some banks may preform a "hard inquiry" on your credit report, but many do not. (You should ask before applying.) Even with bad credit, you may still qualify for a traditional checking account.

If you are denided a traditional checking account at a big bank, you may have better luck at a community bank or credit union.

Also there are accounts called "second chance" checking account for consumers who have bad ChexSystems reports. These accounts tend to have a higher monthly fee and certain account restrictions (e.g., a limited number of checks you can write per month).

Interesting facts

  • National Merchant Bancard is one of the largest U.S. merchant account providers in the credit card processing industry. National Merchant Bancard provides services to over 35,000 businesses, providing credit card processing equipment and services nationwide. National Merchant Bancard's services are also referred to as PayPal Alternative or...
  • Interac e-Transfer (previously known as Interac Email Money Transfer) is a funds transfer service between personal and business accounts at participating Canadian financial institutions. The provider of this service is CertaPay, a division of Acxsys Corporation.
    Since 2003, personal deposit account holders at one of the Big Five banks in Canada...

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