[adebtlawyer]

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 'big three' 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.

The gag is that you'd think $11,000 would be enough to fix this problem. Usually people who have it couldn't put a few hundred together to close out the old account.