One of the fun parts about sharing bank bonuses is that you meet folks who are really into bank bonuses. Like a dozen accounts a year and tracking it all with complicated spreadsheets. It’s amazing and I love it. The banks, however, don’t love it. Obviously, they prefer it if you open an account and use it as your main bank account (and hopefully, their debit card too!). One of the ways they can avoid too many bank bonuses going out the door is by tracking banking behavior. Much like how they track your use of debt with a credit report (at the credit bureaus Experian, Equifax, and TransUnion), they also track banking behavior through a ChexSystems report. Not all banks use ChexSystems but many do. And just like credit bureaus, ChexSystems is subject to the reporting requirements of the Fair Credit Reporting Act. You’re entitled to a copy of your report every 12 months — this includes the disclosure report and the consumer score reports. Have you requested yours recently? Tabl