A checking account doesn't affect your credit score. If you have a line of credit (e.g. overdraft protection), that would be reported, but I can't imagine that

A checking account doesn't affect your credit score. If you have a line of credit (e.g. overdraft protection), that would be reported, but I can't imagine that would affect your credit score much as the limit on personal lines of credit are small (typically around $500). Cancel the account if you are not using it.