ChexSystems

ChexSystems keeps a history of how deposit accounts were handled, such as an account closed with an unpaid negative balance. It's separate from your Equifax, Experian and TransUnion reports, so a bank can turn you down for a checking account while your credit score looks fine. ChexSystems says it provides consumer disclosure reports and consumer score reports free of charge, and errors can be disputed under the FCRA.

You can also freeze your ChexSystems file, which can stop someone from opening a bank account in your name. That freeze is separate from your credit freezes and comes with its own PIN. Before applying for a new account, ask the bank which screening company it uses, and lift that one freeze for a short window if needed.