It is possible to be denied a bank account based on overdrafting and abandoning prior accounts. This is not based on credit score with one of the &#x27;big three&#x27; agencies, but another agency called Chexsystems that only deals with your conduct towards your bank accounts. Poor people frequently have this problem - an old overdrafted account prevents them from getting another one, even at a different bank.<p>The gag is that you&#x27;d think $11,000 would be enough to fix this problem. Usually people who have it couldn&#x27;t put a few hundred together to close out the old account.