NSF checks (Non Sufficient Funds), also referred as a bounced check are considered bad and will end up on your credit report — lowering your FICO Score and preventing you from obtaining credit.

7.7% of Americans don’t have a bank account, but not everyone is checking-less by choice. If your ChexSystems score affects your ability to open a regular checking account, you still have a chance to put yourself on the road to financial security with a 2nd chance checking account. A second chance checking account is like a checking account for bad credit.