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[Music] hey internet its rj welcome back thanks for tuning in to the show today now if youre a frequent flyer of the channel then you know i like a good sign a bonus whether it be for credit card or bank account in fact when you talk about bank accounts ive opened about 15 or 20 throughout the course of the year hunting down these bonuses and i have a personal goal to make ten thousand dollars of banks money into my money over the course of the year and i was cruising towards this goal no problem and then all of a sudden i started to get denied for checking in savings accounts thats right did you know you could actually get denied for a new checking or savings account well if you didnt ive got the proof in the mail right here weve got three denial letters that just came in over the past few weeks and this is all resulting from something called the checks system something that you might not be familiar with so on todays show were going to talk about the check system what it is