If you've had an NSF or Overdraft in your checking- that you covered by deposit when you realized the issue- and still hold the same account (I've had it for 10 years) do they report the nsf or overdraft if it hasn't resulted in you owing them money? I've just been reading all of this- I have an account with Wamu and have had it for the past 10 years, and I have had some nsf's over these years, but I always took care of them immediately. I guess I'm just wondering what results in a report to checksystems?

From what I've seen the only way you'll get reported to chexsystems is if they charge off the account.

In other words, if you pay the balance before they "charge off" the account (close it out and write off the balance) you should be fine. With most banks, this is anywhere from 30 - 90 days consecutively negative.

Some banks including WAMU have been known to report an NSF regardless of the situation being handled immediately. The only way to know is to get a free copy of your chexsystems report.
http://www.chexsystemsvictims.com/Free_Che...ems_Report.html