Bank customers beware. A little-known, but massive, database maintained by ChexSystems could be tracking your banking behavior and determine your banking future.

ChexSystems allows banks to report the bad behaviors of customers. And, CNNMoney warns, you can be denied a checking account because your bank can find out in an instant if you've bounced too many checks, owe money on an overdrawn account or engaged in fraud.

Much attention is given to fairness and protection in the banking system, but the concern is usually for consumers.

http://www.moneynews.com/StreetTalk/ChexSystems-banking-track-account/2012/08/17/id/448932