Opening a new checking or savings account does not usually affect your credit score. There is no direct impact.
Since banks don't share account balances or transactions with bureaus, that information will not appear on your report.
However, if your account has unpaid account balances, fees or penalties, negative entries can show up on your report.
If you open a new account that involves a line of credit, this may impact your score as it involves a hard check.
Hard credit inquiries to determine your eligibility may have a low impact on your credit score.
If you don't pay off the negative balance and fees, the bank may send that overdraft debt to a collections agency.
This type of negative information can remain on your credit report for up to seven years in decreasing impact.
Closing an account doesn't impact your score but if there's a negative balance, it could hurt your credit score.
Ensure you have a positive repayment history on your accounts so you don't end up in debt and hurt your score.