Overdraft question

[RepairMe7]

I'm in MI and have been with my bank (Flagstar) for a number of years with a perfect history. (FYI Flagstar only pulled my credit when I opened the account.) Last year I opened a custodial checking account for my then 15 year old sister at TCF so that she could have a direct deposit account for her new job. Much to my dismay, she has overdrafted the account a couple times but each time I've paid it off and brought the account current right away.

 

My question is...do overdrafts report to Chex? If they do, will this being a custodial account have any affect on trying to negotiate removal of the entry?

[CTSMOM01]

At the banks discretion. Most of the time if it is resolved in a timely manner it isn't. Request your report to see.

[mca]

Generally TCF would not report for that but there are some banks that do report for every NSF. It is really crazy. I would ask for a FREE copy of your chexsystems report to make sure nothing was reported