 TITLE: Should I Have Multiple Bank Accounts? CONTENT: Do Bank Accounts Impact Your Credit Score?\n------------------------------------------\nIn general, bank accounts don't affect your credit score, and they don't show up on your credit report. One exception is a charged-off account: If you have a negative balance on a checking account and never pay back what you owe, the bank may report it to the credit reporting agencies.\nYour bank accounts do show up on your ChexSystems report, which is a consumer report for your banking activity. Banks and credit unions will review your ChexSystems report when you apply for a bank account, and if you've had negative items on past accounts, it can make it difficult to get approved for a new one. END