The bank renews your ChexSystems report so it appears you just had an account go bad. Bad accounts fall off of ChexSystems every 5 years, but the bank puts it back on there as if it just happened. Meaning, you never have a second chance.
Also, the reason my account went bad to start with is that they allowed 3 electronic drafts that were not authorized. I did not find this out until the time frame for dispute had passed.
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