 TITLE: Why Was I Denied a Checking Account? CONTENT: Reasons You May Have Been Denied a Checking Account\n---------------------------------------------------\nThe following issues are the most common reasons banks deny checking account applications:\n### 1\\. Negative Information on Your ChexSystems Report\nIf you were denied a checking account, it's likely due to one or more negative items on your ChexSystems report. That negative information typically includes one or more of the following:\n*   Involuntary account closure\n*   Too many past bounced checks or overdrafts\n*   Unpaid fees or negative balances from a current or closed account\n*   Suspected fraud or identity theft\n*   Too many accounts applied for over a short amount of time\n### 2\\. Errors on your ChexSystems Report\nNegative information on your ChexSystems report may be a result of errors. For example, you might have been confused with another person with a similar name, or perhaps there was an error inputting your Social Security number. Fortunately, you can find these errors when you check your ChexSystems report and dispute them with [ChexSystems](!ut\/p\/z1\/04_Sj9CPykssy0xPLMnMz0vMAfIjo8ziDRxdHA1Ngg183AP83QwcXX39LIJDfYwMnM30w1EV-HuEGAEVuPq4Gxt5G7oHmuhHkaQfTYGBOZH6cQBHA8rsByqIwm98uH4UqhVYQgCvG0BeJGRJQW5oaGiEQaano6IiAPs5WGA!\/dz\/d5\/L2dBISEvZ0FBIS9nQSEh\/). Be sure to have any supporting documentation handy when you are attempting to erase errors from your report.\n### 3\\. Bad Credit\nBecause ChexSystems collects data related to both debit and credit accounts, a low credit score can affect your chances of getting a checking account. Banks and credit unions may report unpaid fees and debts to collection agencies, which can then submit that information to a credit reporting bureau. This can result in a lower credit score.\nIf you attempt to resolve these issues and your bank still refuses to offer you a checking account, you can look into a second-chance bank account. END