There are a few checks banks make that can make it so they won&#x27;t open any type of account for you.<p>1. Credit check, poor credit makes you a risk and they don&#x27;t like it, but this can sometimes be overcome more easily then the others.<p>2. If you had a prior account and it was closed forcibly or your SS# still shows up in the checking system as risky.  There are a few national clearing houses that track your checks to see if you are a good&#x2F;bad risk for accepting checks for retailers.  Those same systems banks use to determine if they will give you an account.<p>3. If you have been convicted of a crime of dishonesty in the past, e.g. shoplifting, charged for a bad check, fraud etc.<p>4. If you do not have a permanent address or your address isn&#x27;t a permanent residence, e.g. you live in motels day to day.<p>It isn&#x27;t that these reasons aren&#x27;t valid for banks to have concerns about you, but to totally ice you out or charge outrageous fees just because doesn&#x27;t seem right to me.  There are other options, like a savings account with no checks and cash withdrawal only etc.