Can a bank or credit union refuse to open a checking account for me?
Yes. There are a number of reasons why a bank or credit union may refuse to open a checking account.
A history of writing bad checks. Some people are listed in a database of customers who have been identified as having mishandled checking accounts in the past, which means the bank or credit union is less likely to let them open a checking account.
Failure to provide adequate identification. A bank or credit union may refuse to open a checking account for someone who cannot provide the identification that it requests.