Is it true a Checking Account can increase your credit score?

My teacher told me that if I make regular deposits into my checking account that my credit score will increase

Public Comments

1. Not true, there is no credit involved, it is not reported at all.
2. no.checking is your own money but credit bank pays it for you then you pay bank.its good to have activity in your account and have a banking history but nothing is related to your credit.your ontime payment brings good credit after years.
3. Being able to show a regular flow of steady income, and a history of paying your bills WILL help your credit score. A checking account will help do this. Of course, you do have to have the income, and you do have to pay your bills on time. It's not just that you have a checking account, it's that you use it correctly and responsibly.
4. Ralfcoder and your teacher are incorrect. Your credit score does not consider your income, nor whether the income is steady or not. Your credit score does consider whether you pay bills from your reported accounts on time, how much of your available credit you use and how old your accounts are. However, there is a scoring system for checking accounts that is called Chexsystems. If you have derogatory checking account items, like NSF checks, Chexsystems will track those. If you Chexsystems score is bad enough, you won't be able to open a checking account..