<prompt> Human: So Ive been working on getting my life together, and I have to get a bank account now. Ive jumped through hoops to avoid them, but I need one now for bills.Im nervous because I know Ive had two banks close accounts because of negative balances, but it was awhile ago.Im scared of what to expect. Can you literally have so bad of credit that you cant open an account, or do bankers try to work with you?-Thanks  <response>: Like your credit reports, which reflect your use of credit, there is a company called ChexSystems which maintains a consumer report containing data about your usage of bank accounts. So if youve had bank accounts closed in the past due to negative balances, this may be reflected on your ChexSystems report. And like your credit reports, youre entitled to a free copy of your ChexSystems report once a year. Heres the link: Unfortunately IIRC you dont get to see your report immediately online, theyll mail you a paper copy. So you wont have it by tomorrow. Negative information falls off your ChexSystems report after five years, I think, so if its been longer than that since you screwed up your accounts, your record will probably be clean. 