 TITLE: Why Was I Denied a Checking Account? CONTENT: Steps to Take Before Reapplying for a Checking Account\n------------------------------------------------------\nBefore trying to qualify for a standard checking account after you've been denied, take the following steps:\n1.  **Clean up your ChexSystems report.** Request a copy of your report, and take steps to address any negative information you find there. For starters, pay off any unpaid fees you owe. Also look for errors on your report. If you find any, you can initiate a dispute with ChexSystems and provide supporting documentation. The investigation may take up to 30 days. Any negative items that can't be removed from your report should drop off your report after five years.\n2.  **Request a copy of your free credit report.** Both your ChexSystems report and your credit report give you a good idea of where you stand financially. Building credit as you also work to improve your banking history will help ensure a better financial future. END