text: i live in minnesota and i need a business checking acct.  will i be denied if they check my credit score 575?   checking account approvals are usually not based on credit scores or credit reports from the 3 major bureaus.  instead, banks often use a check verification service such as chexsystems, telecheck, or ccc.  your credit score will not affect your approval for the business checking account.  however, if you were to apply for a business loan, your credit score will definitely have an affect.  if you happen to be listed on chexsystems, creditservicer.com offers a free listing of banks that do not verify through chexsystems.  this list is not only helpful to business owners, but also individuals who have records on chexsystems.