There are “credit check” for credit scores, but what is is called that the banks check?

forthefunofit: There are “credit check” for credit scores, but what is is called that the banks check?
Meaning, I know some may check your credit score, but they also look for something else, I forget what’s its called though. Has to do with bounced checks and old bank accounts that may show up that were overdrawn from in the past that were never paid back, and so on. What is this called? It’s something like a “credit score” back ground check, but it’s not that and used by many banks that check new customers backgrounds before they open up an account for them at their bank.

Answers and Views:

Answer by Skyhawk
ChexSystems.
https://en.wikipedia.org/wiki/ChexSystems

Answer by paniked856
ChexSystems