<prompt> Human: I never understood this. Most credit unionsbanks let you open an account for free with like a 25-50 min balance. Why would people take their check to these places that charge horrendous fees? Also I see alot of people using online banks like Ally. Dont most bankscredit unions offer 1-2 interest anyways?Assistant: They have bounced checks and blown their credit or they dont want the child support, gov, taxman, getting wind of their business.Human: Do banks check credit just for opening a savings account? If they bounced checks cant they just go to another bank?  <response>: All banks use a company called ChexSystems to keep track of people that have a habit of bouncing checks. 