According to the Consumer Financial Protection Bureau, some of the common reasons banks and credit unions deny checking account applications include a history of negative marks on your account ...

Your ability to open a checking account is often largely dependent on your bank account history. Most financial institutions use ChexSystems— a credit reporting agency — to evaluate a person's ...

You can check your credit reports weekly for free ... The categories, in order of importance, are payment history, depth of credit (age and mix), credit utilization, recent credit, balances ...