All banks are using different guidelines about their banks terms & conditions and have different risk tolerances. And if you are able to open a new bank account that means you are not in any risk. But, getting blacklisted doesn’t necessarily mean you won’t have access to a checking or other account for the next five years. Due to a history of overdrafts, bounced checks, etc., your credit score is low enough that any bank considering you for a new standard checking account will deny your request for opening a checking account. Some banks and credit unions offer people with bad credit histories second chance checking bank accounts. These programs are designed for the people who have been denied banking services at other banks and financial institutions and you could be denied the chance to open a new checking account. To know about what chexSystem and how it works then click the following link: What is ChexSystems? Know About How To Get Off ChexSystems