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Chexsystem

NPR's Scott Horsley reports on a commercial database that keeps track of millions of Americans who have bounced checks. More than 85-thousand bank branches subscribe to the database, called Chexsystem, and use it to screen potential customers. But critics say a single bad check can place someone's name on the database, and once listed, it's unlikely they'll be able to open an account for up to five years.

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