Now about a year and a half ago I tried to get a checking account at Wachovia (I already had a checking account at Bank of America, but wanted to switch). I got turned down because the guy said I had some non-sufficient funds items on my report. In college I did bounce a lot of checks but I also paid everything off. He told me that these items supposedly come off in five years. I think by now it has been close to five years (but maybe not quite); I am worried that when they go to set up this account they will see this and it might make me not get the loan. Any thoughts or advice; will this be a problem? I ordered a report from ChexSystems, but now Iâ??m stressed. Iâ??m wondering if the bank I am going through will use Chexsystems or not. (Also the guy at Wachovia said he was surprised I got an account at Bank of America in the first place and that someone basically slipped up (the jerk!)).