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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.

For example:

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.

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