Would a negative relationship with a bank affect my new relationships with other banks?

i have an account that was negative for about 2 months. as soon as i put it above 0 the bank closed my account.

so my question is, would this affect my credit score? also, would this affect my future relationships with any banks? for example, is it possible im put on a blacklist?

Most definitely. Banks use credit bureaus to gather information about your credit worthiness, and banks do report to the credit bureaus any negative amounts, and the time it took to collect the money from you. Having the information that the bank closed your account on the credit report has lowered your credit score considerably making you a risk.

no i was 拢1700 overdrawn with one bank opened a new account no bother and agreed to pay old account off slowly

it may and it may not. some banks will not let you open and account if you have a negative from another bank... best advice find a credit union.

yes banks are all connected with chexsystems which is like a bank credit history. it keeps track of charged off accounts etc. assuming you are referring to a general checking/savings account
there is a few banks that don't use the system which would allow you to open an account. If you are in need of a bank account just try applying with different banks online.

it possibly can. if the bank has reported it to chexsystems, you'll have a hard time getting accounts at many banks, especially major banks. when you brought your account above 0, they could have removed your negative information from chex. they could have also reported the negative checking activity to a credit bureau, affecting your credit score.

many banks offer second chance banking. you might have a higher fee, restricted check writing, or maintain a minimum balance. go to one of the banks that offer the second chance banking and apply for a regular account. if you don't qualify, they can offer you the second chance accounts.

The ones who mentioned chexsystems is correct. This is just like a credit reporting agency for your credit report, but its for banks. The system is designed by the banks for the banks pretty much. Its really hard to get into a new bank (like a major one) if your checksystems is out of the roof. However, in your situation, you should be OK. Why, because its only 2 months. Usually a bank will wait about 6 months or so and get all the charges up and then file your account into collections and check systems. So you should be able to jump to any bank that you can. If you cant Compass bank doest use checksystems last I heard and there are several banks that do not use it as well. I have noticed the little banks that walmart has inside of them doesnt usually use them. Do your homework. You can get a checksystem report prior to opening a bank account, find out what is on it. Or you can just try and see. However that will be mulitiple inquiries on your credit report which is damaging as well. Good luck.