I work for a bank, and worked for 2 previous. Some banks have a newer system that is integrated with the opening of a new account, or more specifically a CIF (customer information file). Depending on where you try to open an account, if the gentleman or lady opening your account says they "Cant do it", sometimes they just cant. Physically it can be kicked back by the computer.
On the plus side, some banks can get around it depending on what financial institution you go to, and if you know any higher-ups. I honestly know if I didn't have approval to open an account, I can't do it. Here's why. If/when I neglect chexsystems, and a customer is on it, and I open the account anyway, that becomes my liability. And if they do some fraudulant activity, im the one bypassing the chex w/o a higher-up signing off on it... I can get canned for not following procedure and costing the bank $. Ive seen it done, and its not worth the risk for me. Also, at my current job, there are reports generated by Chex systems that must coincide with reports for new accounts. Again, I get written up at the least if I don't follow procedure.
I represent 3 banks out of 100's, maybe 1,000's. Everybody has different rules and regulations but this is how I see it on the other side of the coin. I hope this info is a help to some people!!!