 TITLE: How to Get a Checking Account CONTENT: Does Closing a Checking Account Affect Your Credit Score?\n---------------------------------------------------------\nPeople close checking accounts for a variety of reasons. They may find a better deal at another bank, or they may be moving to an area where their current bank doesn't exist.\nA closed checking account won't appear on your credit report because a checking account isn't a form of credit. The details of your checking account, like how much money you have or how often you make deposits and withdrawals, also don't appear on your credit report and can't be seen by a creditor unless you grant them access.\nIf you close a checking account with a negative balance, you might incur a red mark on your ChexSystems report. This could damage your ability to open another checking account in the future.\nBefore closing a checking account, verify that you don't have any recurring bills connected to the account or any checks that have yet to be deposited. A service provider will probably charge a hefty fee for a returned check. END