text: Checking account approvals are usually not based on credit scores or credit reports from the 3 major bureaus.  Instead, banks often use a check verification service such as ChexSystems, Telecheck, or CCC.\n\nYour credit score will not affect your approval for the business checking account.  However, if you were to apply for a business loan, your credit score will definitely have an affect.\n\nIf you happen to be listed on ChexSystems, CreditServicer.com offers a free listing of banks that do not verify through ChexSystems.  This list is not only helpful to business owners, but also individuals who have records on ChexSystems.