Most DA readers probably don't have to worry about being denied a bank account due to their history of account mishandling. Those who had bounced too many checks or who had unpaid fees, may find that those incidents have been reported to ChexSystems which can make it very difficult to qualify for a new bank account. As this CNN article
describes, an expensive second chance checking account may be the best option.
One bit of information in the article that may interest DA readers is the information on ChexSystems:
You can request a free annual report from ChexSystems and dispute any incorrect information. Otherwise, most negative information will stay on your report for five years.