Just wanted to post my experience. I have multiple entries on my Chex and EWS. Some paid, some showing unpaid. One of those entries on my EWS was a $300 charge off from a prior Wells Fargo checking account that was overdrawn and closed from 2016. About 6 months ago, I went in to Wells Fargo to apply for a new account. I was declined. The rep said if I paid off my prior WF balance and waited a couple weeks the system should approve me. Since I had the cash on me, i decided to pay it off in full right then and there.
Fast forward to now, couple weeks ago I decide to go into a Wells Fargo (different branch) and apply for checking to see what happens, I wasn't expecting much. Instantly approved for any checking account of my choice. Received debit card instantly and made $1500 deposit.
So far so good. It seems from everything I have researched combined with my own experience that WF will open an account if your EWS entries are at least 1 year old and if you paid any charged off overdraft amount that you owed to WF and let if update on your EWS. They did not pull my Chex from what I can see. My 3 bureaus were frozen, though I do hear they try to pull one of those automatically at time of checking opening to pre-qualify you for any credit products.
I am in California.