How to Check Your Bank Screening Report (And Fix It)

Have you been recently denied a bank account? It could be due to negative information in your bank screening report.

Financial institutions rely on these reports to assess your banking history and determine your eligibility for a new account. Whether you’ve had an unpaid overdraft, suspected fraud, or previous banking issues, knowing how to check and fix your report is essential.

This guide will help you check your bank screening report and correct any reported issues.

What Are Bank Screening Reports?

Bank screening reports contain records of your past banking behavior, including overdrafts, unpaid fees, and fraud alerts. These reports are maintained by consumer reporting agencies and used by banks and credit unions to decide whether to approve your account application.

Common reasons you may be denied a bank account include:

• Unpaid negative balances from a previous checking account.
• A history of excessive overdrafts.
• Suspicion of fraudulent activity associated with your account.

If you’ve been denied an account or suspect incorrect information, you should request and review your report for errors and dispute any inaccuracies.

Major Bank Screening Agencies

Several agencies collect and maintain banking and check-writing data. Here’s how to request your free annual report and dispute any errors:

1. ChexSystems

• Services: Tracks account openings, closures, overdrafts, and fraud reports.
• Free Report & Score: Available upon request once every 12 months.
• Website: chexsystems.com
• Phone: 800-428-9623 | 800-513-7125
• Address: ChexSystems, Inc.
  Attn: Consumer Relations
  7805 Hudson Road, Suite 100
  Woodbury, MN 55125

👉 Read: What Is ChexSystems and How to Clear Your Report →

2. TeleCheck Services

• Services: Reduces fraud risks for retailers and financial institutions by tracking check transactions.
• Parent Company: First Data Corporation.
• Free Report: Available annually upon request.
• Website: FirstData.com/telecheck
• Phone: 800-366-2425
• Address: TeleCheck Services, Inc.
  Attn: Consumer Resolution Services
  P.O. Box 6806
  Hagerstown, MD 21741-6806

3. Early Warning Services

• Services: Fraud detection and account verification for banks and retailers.
• Owners: Co-owned by major banks, including Bank of America, Capital One, Chase, PNC, and Wells Fargo.
• Free Report: Available annually upon request.
• Website: Earlywarning.com
• Phone: 800-325-7775 (Option 4)
• Address: Early Warning
  Attn: Consumer Services Department
  16552 North 90th Street
  Scottsdale, AZ 85260

4. Certegy Check Services

• Services: Tracks check-writing history for retail merchants and gaming establishments.
• Free Report: Available upon request every 12 months.
• Website: AskCertegy.com
• Phone: 800-237-3826
• Address: Certegy Check Services
  Attn: CFDR Request
  P.O. Box 30046
  Tampa, FL 33630-3046

5. CrossCheck, Inc.

• Services: Provides check verification and guarantee services for various industries.
• Free Report: Available every 12 months upon request.
• Website: cross-check.com
• Phone: 800-843-0760
• Address: CrossCheck, Inc.
  Attn: Consumer Inquiry Department
  P.O. Box 6008
  Petaluma, CA 94955-6008

6. Global Payments Check Services, Inc.

• Services: Provides check screening and verification for consumer-facing industries.
• Free Report: Available every 12 months upon request.
• Website: Globalpaymentsinc.com
• Phone: 800-638-4600 (Option 2)
• Address: Global Payments Check Services, Inc.
  Attn: FACT ACT Support
  P.O. Box 59371
  Chicago, IL 60659

How to Fix Errors on Your Bank Screening Report

If you find incorrect or fraudulent information in your report, take these steps:

1. Request a copy of your report from the relevant agency.
2. Review the report for errors, such as incorrect balances or accounts you did not open.
3. File a dispute with the agency in question, providing any supporting documents.
4. Follow up to ensure corrections are made within 30 days.
5. Freeze your report if you suspect fraud to prevent unauthorized account openings.

Final Thoughts

Being denied a bank account can be frustrating, but understanding and managing your bank screening report can help you regain access to essential financial services. By regularly checking your bank screening reports and disputing errors, you can improve your banking record and avoid future denials.

If you’re having issues opening a checking account, consider a fintech banking app.

Next Steps:

• 👉 Learn: How to Open a Bank Account with Bad Banking History →
• 👉 Read: Denied a Bank Account? What to Do Next (And How to Get Approved) →
• 👉 Related: Second Chance Banking: How to Get Approved →
• 👉 Explore: Compare Second-Chance Bank Accounts →