Look it over, and if you find any mistakes, dispute them with ChexSystems.
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The first is that you're entitled to a free copy of your ChexSystems report once a year. There are several pieces of good news here, though. Once it's forwarded, that action is reported to the credit bureaus and can affect your credit score for up to seven years. If an account is closed due to an unpaid bank balance, that debt could be forwarded to a collection agency. Banks routinely request a report from ChexSystems before allowing a new customer to open an account, making it difficult for you to open a new account with another bank. When a bank closes an account because of an unpaid balance or suspected fraud, it's reported to a company called ChexSystems. Having a bank account involuntarily closed can be a hassle for years to come. Retrieving the funds is as easy as contacting the appropriate office and providing pieces of information that prove your identity.
If your account has been inactive for years and the bank doesn't know where to find you, the money may have been sent to the unclaimed property office in your state. If an automatic deposit is made into that account after it's closed, those funds must also be returned. If you have money in the account at the time it's closed, the bank is required to return it to you minus any outstanding fees. More: Save while you pay off debt with one of these top-rated balance transfer credit cards What happens to the money? Save: This credit card has one of the longest 0% intro APR periods around
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