Can Bank Tellers See Your Credit Score
We get the question "Can Bank Tellers See Your Credit Score" and here's what you need to know!

elisabeth samuels
Last Updated: February 11, 2022
Date Published: February 11, 2022
Digital Consumer

Why you can trust Digital Consumer

More info

While We follow stringent , this article may have links or references to services and products from our partners. See our explanation for .

If you’ve ever wondered if bank tellers can see your credit score, you’ve come to the right place.

Some of our readers are curious to know “can bank tellers see your credit score?” and we have the answer.

Credit scores are provided by credit bureaus such as Equifax or Transunion.

More often than not, you need to purchase your credit score as an additional service provided by your bank, from an authorized seller, or directly from one of the credit bureaus.

When you open a bank account, you will need to complete an application from the bank at which you wish to open an account with.

bank teller credit score

The new account application will ask you for the following information:

  • Two forms of government issued photo identification
  • Utility bill with your current address
  • Name and contact information including address and phone number
  • If the account requires a minimum deposit, you will most likely need to provide the deposit with the application

When you submit the application, the bank will do a bank history report, also known as a ChexSystems report.

The bank history report shows your previous banking history including how you’ve handled previous checking and savings accounts.

Bank history reports show any overdraft fees, bounced checks, and if you’ve been suspected of bank fraud.

You are given a ChexSystems score that determines whether you are a risky customer or not.

Information reported on your ChexSystems report usually stays on the report for 5 years.

A ChexSystems report is not the same as a credit check.

Checking and savings activity information is not reported on your credit report.

This means bank account transactions including deposits and withdrawals, as well as overdrafts are not reported.

Therefore, there is not reason why a bank teller would need access to your credit report.

When you work with a bank teller, they really only have access to any accounts you have open with the respective bank.

For example, if you are working with a Wells Fargo bank teller, they only have access to your Wells Fargo accounts.

Conclusion

In conclusion, a bank teller cannot see your credit score.

If you are interested in knowing what information your bank teller has access to, you can learn more about that in our article here. 

If you are interested in obtaining your credit report, you can do so from a reputable source such as Equifax, Transunion, or Credit Karma.