ChexSystems (Bonus)

ChexSystems is to bank accounts as credit bureaus are to credit. If you’re opening a new account, most banks query ChexSystems’ database for red flags in your banking history. A frozen ChexSystems report typically equals an account denial. Like Innovis report freezes, ChexSystems freezes are free and easy — just input a few pieces of information on the online form (including your driver’s license number) and wait for your PIN in the mail.