When you open a bank account with a financial institution, your credit history will not be reviewed since the institution does not conduct such reviews. On the other hand, if you create a business checking account online instead of via ChexSystems, you will have access to your whole financial history. This is because credit bureaus are not notified when transactions occur in online business checking accounts. This situational aspect will be included in our deliberations when determining whether or not to provide you with a bank account.