Many of us assume that when we want to open a bank account, it’s a simple matter. After all, we aren’t borrowing anything; we should be able to open a deposit account with minimal fuss. While many financial institutions will let you open a deposit account with the identification information required by law, and by answering a few questions, others will add another step: Looking at your ChexSystems report. What is ChexSystems? ChexSystems is an…