chex system is pretty much same as credit bureau and the only difference is that Chex system focus on debit (Opposite of credit). Usually for checking accounts. Chex system has been in place for years and years. This is why need to refer back to the bank, so that they can report to chex system and clear up.
Same with collections
So, if anyone abuse the checking accounts, generally banks won't even want to open account with these kind of people. That also how many ended up can't have checking account and need to use EBT or prepaid cards.
